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E-bike finance · lease to own

Ride now. Own it in
21 straightforward weeks.

Pick your e-bike at a partner store, apply online in about ten minutes, and pay $100 a week. When the last payment clears, the bike is yours. No interest, two fees only, everything in writing before you sign.

Apply — takes about 10 minutesSee how it works

Every application is individually assessed by a person. Approval is never automatic or guaranteed.

The whole deal, one card

$100/ week × 21 weeks
E-bike lease value
$2,100
Interest
$0 — none, ever
Establishment fee (once)
$150
Late payment fee (only if late)
$30
Total if you pay on time
$2,250

That's every fee we charge. No account keeping, no early exit, no hidden extras. Full pricing detail

Three steps to your bike

1

Choose at a partner store

Test-ride at a partner like Lithium Bicycle. Staff give you a quote and send an application link — they never see your financial details.

2

Apply online

Tell us about your income and expenses, upload ID and a payslip, and read the plain-English agreement. A Mulga assessor reviews every application personally.

3

Pick up and pedal

Once your application clears our eleven-point checklist — assessment, signed agreement, direct debit, funding — the store hands over your bike.

A person decides, not a machine

Our software checks affordability and flags concerns, but it cannot approve anyone. Only a trained credit assessor can — and they write down their reasons every time.

Built for when life happens

If your circumstances change, tell us. Hardship requests pause collections immediately while we work out a plan — it's your legal right and our normal process. How hardship help works

Licensed and accountable

Mulga Finance Pty Ltd holds Australian credit licence 573780. Complaints are acknowledged within one business day, and you can always go to AFCA for free.