Financing offer without insurance, with mandatory down payment, reserved for private individuals and valid for any purchase from €100 to €10,000. Subject to acceptance by Oney Bank. You have a 14-day cooling-off period to withdraw from your loan.

Example in 3 instalments for a purchase of €150: down payment of €50, then 2 monthly payments of €50. Loan over 2 months at a fixed APR of 0%. Cost of financing: €0.

Example in 4 instalments for a purchase of €400: down payment of €100, then 3 monthly payments of €100. Loan over 3 months at a fixed APR of 0%. Cost of financing: €0.

Restricted-use credit, without insurance, valid from €500 up to €21,500, at a fixed APR ranging from 8.67% to 17.90% and a fixed borrowing rate from 8.34% to 16.58%. Subject to acceptance by Oney Bank. You have a 14-day withdrawal period to cancel your loan. Terms as of 28/01/26.

Example for a purchase of €1,699 in 10 instalments: 10 instalments of €183,08. Amount financed: €1,699. Total amount payable: 1830,80€. Cost of credit: 131.80 €. Restricted-use credit over 10 months at a fixed borrowing rate of 16.58% and a fixed APR of 17.90%.

Example for a purchase of €2,499 in 12 instalments: 12 instalments of €227,42. Amount financed: €2,499. Total amount payable: €2,729.04. Cost of credit: €230.04. Restricted-use credit over 12 months at a fixed borrowing rate of 16.58% and a fixed APR of 17.90%.

Example for a purchase of €3,999 in 24 instalments: 24 instalments of €193.27. Amount financed: €3,999. Total amount payable: €4,638.48. Cost of credit: €639.48. Restricted-use credit over 24 months at a fixed borrowing rate of 14.67% and a fixed APR of 15.70%.

Example for a purchase of €5,499 in 36 instalments: 36 instalments of €187.86. Amount financed: €5,499. Total amount payable: €6,762.96. Cost of credit: €1,263.96. Restricted-use credit over 36 months at a fixed borrowing rate of 13.97% and a fixed APR of 14.90%.

Example for a purchase of €9,499 in 48 instalments: 48 instalments of €233.43. Amount financed: €9,499. Total amount payable: €11,204.64. Cost of credit: €1,705.64. Restricted-use credit over 48 months at a fixed borrowing rate of 8.34% and a fixed APR of 8.67%.

Oney Bank – Public limited company with share capital of €71,801,205 – Registered office: 34 avenue de Flandre, 59170 Croix, France – Lille Métropole Trade and Companies Register no. 546 380 197 – ORIAS no. 07 023 261 – www.orias.fr – correspondence: CS 60006 – www.oney.fr

Canyon Bicycles GmbH acts as an exclusive intermediary in banking operations and payment services – ORIAS no. 25 003 091 – www.orias.fr – registered office: Canyon Bicycles GmbH, Karl-Tesche-Straße 12, D-56073 Koblenz, Germany.

Read the full general terms and conditions for the 3x and 4x interest-free solution here and for long-term credit here.