Spot Inside Line™

Built direct, priced fair

Buying a Spot means buying from the people who build it. Here is how to pay for one, what comes with it, and what we guarantee.

We started Spot Inside Line™ in 2017 to increase value for riders and connect more closely with our community. Without middlemen, we get to talk directly with customers, share in the new-bike-day stoke, and offer unfiltered insight about our bikes, straight from the horse’s mouth.

Our direct-to-rider model lets us build the bike you want, to order, right here in Colorado, and deliver it straight to your door, with pricing that reflects what it actually costs to make something this good.

Ways to pay for it

Financing

Shop Pay

Pay over time with Shop Pay

Pay over time instead of all at once. Choose Shop Pay at checkout and you can split the cost into 4 interest-free payments, or pick a monthly plan instead. Same bike, smaller bites.

Rates from 0-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers: affirm.com/licenses.

Trade-in

The Pro's Closet

Trade up your old ride

Got a bike you’re ready to move on from? Bring it to Spot HQ in Golden, or send us photos first. We handle the whole Pro’s Closet submission for you. Most offers come back the same day, and whatever you get goes straight toward your next Spot.

The bike needs to be complete and in working order — drivetrain, brakes, and suspension functional, with no structural frame damage.

Start a trade-in

Questions first? Call 303-278-3955 or email sales@spotbikes.com. Offers are made by The Pro’s Closet and depend on model, condition, and current demand.

HSA & FSA

Truemed

Buy with pre-tax dollars

Your health savings account covers more than copays. Through our Truemed partnership you may be eligible to pay for a Spot with pre-tax HSA or FSA dollars — an average of 30%* compared with paying in post-tax dollars.

  1. Add your bike to the cart and check out as a guest — the Truemed option won’t appear if you’re logged into a Spot account.
  2. Select “Truemed — Pay with HSA/FSA” at payment and complete Truemed’s health survey.
  3. An independent licensed practitioner reviews your survey and determines whether you qualify. If you do, they can issue a Letter of Medical Necessity and your HSA/FSA card is charged.
  4. Prefer a card now? Pay normally and submit for reimbursement from your HSA/FSA administrator afterward.
How Truemed works

Available to U.S. customers only. Eligibility and any Letter of Medical Necessity are determined through Truemed’s review, not by Spot.

Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures.

Loyalty

Points on every purchase

Spot Rewards pays you back for riding with us.

  • Bronze — 1x points on every purchase, bonus points for referrals and social posts, a little something on your birthday.
  • Silver — 1.5x points, plus early access to new product releases.
  • Gold — 2x points, the highest rate we offer, plus a generous birthday bonus.

Points redeem for discounts on bikes, accessories, and Spot Factory service.

See your tier

Tiers are based on your rolling two-year purchase history. Log in or create an account to see your current tier and balance.

Confidence comes standard

Through Dec 31, 2026

Inside Line™ Spot Price Drop Protection

If the price of the Spot bike you purchased drops between September 25 and December 31, 2026, we’ll give you the difference in store credit. Just reach out and we’ll make it happen.

  • Applies to the exact model, build, color, and size purchased.
  • Valid for bikes purchased on or after September 25, 2026.
  • Offer expires December 31, 2026.
  • Store credit can be requested by contacting sales@spotbikes.com.
  • Excludes outlet, demo, and closeout bikes.

Best price

Spot Value Match Guarantee

Find a comparable bike from another brand for less? Send it our way. If it’s a current model, similar build, and available in your size, we’ll do our best to match it. Ride the bike you want without paying more for it.

  • Price must be published — no verbal deals.
  • Complete bikes only.
  • Available at time of sale; not retroactive.
  • We reserve the right to determine whether a competitor bike is a fair comparison, and may adjust based on differences in build, spec, or components.
  • Outlet, demo, and closeout bikes are excluded. All outlet sales are as-is and final.
  • Applies to current-generation, in-production bikes with comparable frame material and construction. Brands offering multiple carbon frame levels are compared at the higher level.

30 days

Ride it, love it guarantee

Buying a bike you can’t test ride is the one real catch with going direct. So we fixed it. Take any Spot out for 30 days of real riding. If it’s not the one, send it back. Most of the time a quick setup call sorts it out, but the option is there either way.

How returns work

What every Spot comes with

Assembly

Built to Order in Golden, CO

Every Spot is assembled right here at our headquarters. Every bolt thread-locked and torqued to spec, every part inspected. Full-suspension linkages are assembled and shocks installed — so even frame-only orders receive thorough QC before shipping.

Coverage

Lifetime Frame Warranty

We’ll warranty your Spot frame against manufacturing defects for the lifetime of the frame, to the original owner. We also offer a crash replacement program if the trails get the better of you.

Full warranty details

Up to $100

Assembly Reimbursement

Rather have a shop do the final assembly? We’ll reimburse you up to $100 — just send us the receipt. A complete bike arrives 95% assembled, so even a dealer finishing the job is typically a 15-minute job.

Timing, shipping, and order status

Before you order

Lead Times & Order Status

Every bike page shows the current lead time for that specific build. For pre-order models, an estimated ship date appears when you hover over the “Pre-Order” button after selecting your size, color, and build. The lead time shown at checkout is our best estimate at purchase — bikes are fulfilled first-come, first-served, and your place in line is locked in once you order.

Order stages for complete bikes: Order Confirmation (your spot in the build queue is locked in) → Special Parts & RideWrap (status updates as customizations are procured) → Build (assembled by our team in Golden) → Ship (boxed, shipped, tracking sent your way). Questions about your order? Email sales@spotbikes.com.

Worldwide

International Purchases

We ship directly to customers worldwide. All import duties, taxes, and shipping fees are shown in your shopping cart, so you won’t owe anything more than what you pay at checkout. Complete bikes arrive 95% assembled; don’t hesitate to claim assembly reimbursement if a dealer finishes the job.

Still deciding?

Questions on any of this? Call us at 303-278-3955 or email sales@spotbikes.com. We’re real people in Golden, happy to talk it through. Monday to Friday, 8:30 am to 5:30 pm MDT.
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