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Bike Loans

Bicycle Loans

Go green, get a workout, or save gas money with a bicycle loan
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Effective Date as of 03/01/2024

Bicycle Loan


% APR*

as low as

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Bicycle Loans

A bicycle could actually be an investment that helps you to save money, since it comes without road tax, has much lower maintenance bills and doesn’t have to be topped up with fuel on a regular basis. And, of course, by riding a bicycle you’ll be doing your bit to help save the planet!

  • Borrow $1,000 – $7,500 to get the ride you want
  • Save money over the life of the loan with our low rates
  • With flexible term lengths, you can more easily pay off your loan

2 ways to apply

  • Get pre-approved and receive a check to cover the cost of your new ride.
  • If you’ve purchased a bike in the last 30 days, just bring in your receipt and we’ll get you started.
Apply For Bicycle Loan

Frequently Asked Questions

Yes, we do offer consolidation loans! With a consolidation loan, you can reduce your monthly payment, total interest paid, or both. Visit our Financial Wellness page for more information.

Loan qualifications differ depending on which loan you are applying for. The best way to find out if you qualify for a loan is to apply!

Your credit score plays a role in whether or not you qualify for a loan. You can check your own credit score for free once annually by visiting

Apply for a loan today!

Applying for a loan is quick and easy at Providence Federal Credit Union. Simply fill out the application, select the loan product you’re interested in and we’ll take care of the rest.

You can check on the status of your application by clicking the “Check Application Status” link at the very top of our website header, which takes you to this link.

Loan approval takes between 24 and 48 hours. 

This was my third loan with PFCU and each time, it was quick, efficient and all the loan officers were diligent! They worked with me to make my time constraints and are always professional.

lotis c. | Member SINCE 2018
lotis c.

Need more information?

Connect with a PFCU Member Consultant, by scheduling an appointment, video chat, email, or phone.