You don't have to continue payments, they offer a buyout plan for $99 after three years. (They also offer the buyout up front plan.)
BTW, jeez, I realize I seriously sound like an ad for the company just because I'm trying to help explain the flood of misinformation in this comment section. I ride motorcycles, but I have no affiliation, and I like the idea of an airbag vest and I like the idea of being more easily able to afford to try safety gear... even if it's more expensive in the long run. (Like everyone, I generally dislike rent, subscriptions, and financing plans, but I do have to acknowledge the utility.)
> It’a a strange pay-for-non-existent-service scheme designed to artificially reduce MSRP but increase lifetime value.
That seems accurate, except that it's not at all strange, it's utterly commonplace. Like millions and millions of people, I have a mortgage and a car payment and a credit card. Most of the money I spend would be reduced if I were to pay up-front.
> It’s disgusting
I'm very confused about this part, I don't understand why that feeling is so strong in this thread. KLIM's financing plan is better than most, just be open to reconsidering your idea here. You can cancel without notice, and you get to keep the vest. You can pick up where you left off and continue paying later. You can pay only in the summer when you're riding. Those consumer friendly options aren't available on any mortgage or car plan or credit card anywhere.