Bicycle Financing | Electric Bike Financing

BICYCLE LOAN RATES

TERM

APR¹ (as low as)

PAYMENT² (MONTHLY)

TERM

0 - 24 Months

APR¹ (as low as)

11.95%

PAYMENT² (MONTHLY)

$142.00

[1] APR=Annual Percentage Rate. [2] Payment example is based on a $3,000 loan for 24 months.

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Bicycle Loan Benefits

Whether you're shredding trails or commuting around town, PCU is here to help with mountain bike financing, electric bike financing, and other bike financing. You can get the loan and then the bike (or equipment) or buy first and we’ll reimburse you.

Friends riding their bikes purchased with a bicycle loan from Consolidated Community Credit Union CCCU in Portland Oregon.

Fixed Rates

Our low, fixed rates keep your payment predictable from month to month.

Same-Day Financing

No need to wait! Get riding today with fast, easy bicycle financing from PCU.

Local Service

Work with a local lender from PCU for a smooth ride from start to finish.

Accessories Included

Gear up with the accessories you need. Our bike loans cover the whole package!

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Mountain Bike Financing at PCU

Hit a singletrack as soon as tomorrow with same-day mountain bike financing, because when the weather is right, there's no reason to wait!

Our bicycle loans are:

All-Inclusive: You're going to need a helmet and some other gear. Bundle it all into one easy payment with bicycle financing at PCU.
Simple: Our low, fixed rates keep your monthly payment predictable so there are no surprises.
Fast: At PCU, we know you're ready to ride. That's why we keep our decisions local and offer same-day bicycle financing.

The only thing left is deciding where to ride! Heading to Forest Park or Post Canyon? We'd love to know where your new mountain bike is taking you.

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New Mountain bike loan from PCU for a mountain biker to go out adventure in the forest on his bike.

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What our members are saying:

“My experience was perfect! I had never deposited a check before and the woman who assisted me was delightful! Thank you!”

Mary S. Member Since 1973

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Frequently Asked Questions About Bicycle Financing

How do I apply for a bicycle loan?

Getting a bicycle loan with PCU is fast and easy, especially when you apply online. The two most popular ways to apply for a bicycle loan:

Apply for pre-approval.
- Bring in an itemized invoice from any retailer.
- Upon approval, funds will be deposited into your account.
Purchase a bicycle and accessories from any retailer.
- Bring in an itemized receipt within 30 days of the purchase.
- Upon approval, funds will be deposited into your account.

You may be required to fax or email scanned copies of certain documents, like income verification, in order to qualify. Once qualified, we'll send the closing paperwork to your local PCU branch so you can sign the documents. If you are unable to visit a branch, the documents may be sent through DocuSign. Your loan officer will work with you to make the process as easy as possible.

What types of bicycles do you finance?

We offer financing for the following bicycle types, as well as related equipment!

e-Bike
Mountain bike
Gravel bike
Road bike

Ready to apply? Simply apply online or contact our Consumer Loans team for preapproval. Your loan officer will work with you to make the process as easy as possible!

Bicycle financing done right.