@cam my LBS has an arrangement with Klarna whereby they can arrange financing on the spot.
As for the bike, I’m sure you know this but if you want something that feels like a real bike, I suggest you go for light weight and a torque sensor. eg Specialized Vado SL. I tested the SL and it was superb. I ended up buying the heavier non-SL for the bigger battery and I wish I’d bought the SL. My bike is a little too heavy for my taste, and it turns out I never use the full battery capacity. It’s still great though! But the experience has made me more pro test rides before purchase. I ordered the non-SL without testing it because I figured it’d be nearly identical to the SL, but I was wrong.
Fwiw lots of ebike makers have been expanding their brick and mortar presence, eg Rad, Aventon, etc.