BICYCLE LOANS
Bicycle Loans
Regular Savings Accounts
With rates as low as 8.24% APR*, you can take the scenic route with our budget-friendly bicycle loan. Whether you ride to go green or to get a workout — our bicycle loan is here to help! Apply for our flexible and affordable bike financing today to get rolling fast.
BICYCLE LOANS
Pedal into savings.
With rates as low as 8.24% APR*, you can take the scenic route with our budget-friendly bicycle loan. Whether you ride to go green or to get a workout — our bicycle loan is here to help! Apply for our flexible and affordable bike financing today to get rolling fast.
From road bikes to electric bikes, we've got you covered.
Competitive Rates
Our low rates help make bike ownership affordable for many budgets.
Flexible Terms
Finance your new ride for up to 60 months to get manageable monthly payments.
Personalized Service
Applying is a breeze, and we'll support you throughout the loan process and beyond.
Additional Details
Get a new set of wheels without the wait! We offer fast, easy bicycle loans to help every rider experience freedom on two wheels. Features of our bike loans include:
- Competitive rates: Our low rates help you save on the cost of borrowing so you will have more for bike accessories or your next biking adventure.
- Flexible terms: Finance your bike for up to 60 months with a fixed interest rate to get payments that fit your budget.
- High loan amounts: Borrow up to $10,000 to finance most bikes.
- Versatile loan use: Our bike loans can be used to finance bicycles, e-bikes (electric bicycles), or related biking equipment.
Ready for an eco-friendly way to commute or your next biking adventure around the Fort Vancouver National Historic Site or Springwater on the Willamette? Click below to apply for the best bicycle loan today and coast into savings.
Additional Details
Get a new set of wheels without the wait! We offer fast, easy bicycle loans to help every rider experience freedom on two wheels. Features of our bike loans include:
- Competitive rates: Our low rates help you save on the cost of borrowing so you will have more for bike accessories or your next biking adventure.
- Flexible terms: Finance your bike for up to 60 months with a fixed interest rate to get payments that fit your budget.
- High loan amounts: Borrow up to $10,000 to finance most bikes.
- Versatile loan use: Our bike loans can be used to finance bicycles, e-bikes (electric bicycles), or related biking equipment.
Ready for an eco-friendly way to commute or your next biking adventure around the Fort Vancouver National Historic Site or Springwater on the Willamette? Click below to apply for the best bicycle loan today and coast into savings.
WHY CHOOSE COLUMBIA CU?
Banking that works for you
At Columbia Credit Union, we’re committed to helping you reach your financial goals with personalized service and customized banking solutions. Some of the benefits of membership include:
- Member-owned: When you join Columbia Credit Union, you’ll be one of the credit union’s owners! Our primary focus is serving our member-owners instead of earning profits for distant investors.
- Community-focused: We’re committed to supporting the people and businesses in our community so it will continue to be a great place to live and work for everyone.
- Local loan decisions: We’re a local organization, and all of our loan decisions are quick and personalized to help you get fast financing for all of your needs.
- Personalized service: Everyone has different goals, which is why we take the time to understand what matters most to you. Our dedicated team will be by your side every step of the way.
Ready to move beyond traditional banking in Washington and Oregon? Become a member today for banking that puts your needs first.
WHY CHOOSE COLUMBIA CU?
Banking that works for you
At Columbia Credit Union, we’re committed to helping you reach your financial goals with personalized service and customized banking solutions. Some of the benefits of membership include:
- Member-owned: When you join Columbia Credit Union, you’ll be one of the credit union’s owners! Our primary focus is serving our member-owners instead of earning profits for distant investors.
- Community-focused: We’re committed to supporting the people and businesses in our community so it will continue to be a great place to live and work for everyone.
- Local loan decisions: We’re a local organization, and all of our loan decisions are quick and personalized to help you get fast financing for all of your needs.
- Personalized service: Everyone has different goals, which is why we take the time to understand what matters most to you. Our dedicated team will be by your side every step of the way.
Ready to move beyond traditional banking in Washington and Oregon? Become a member today for banking that puts your needs first.
BIKE LOAN
How to Apply for a Bicycle Loan
- Apply Online: Click the link below or stop by a branch to start the process.
- Submit the Application: It only takes a few minutes to complete our short application.
- We’ll Contact You: We’ll review your application and reach out to you with a loan decision.
BIKE LOAN
How to Apply for a Bicycle Loan
- Apply Online: Click the link below or stop by a branch to start the process.
- Submit the Application: It only takes a few minutes to complete our short application.
- We’ll Contact You: We’ll review your application and reach out to you with a loan decision.
★★★★★
"Best credit union! Great people, great service, great rates!"
- Angie G.
FAQs
A credit score of at least 650 is preferred for a bike loan, but lower scores will be considered. We look at several factors when considering you for bicycle financing, not just your credit score. We will also look at your employment history, income, and current debts.
Yes, we offer pre-approval for bike loans so you will know how much you qualify to borrow before you start shopping for the perfect bicycle. We’ll do a preliminary review of your financial information to determine a loan amount that fits your budget.
Many used bicycles qualify for financing. It depends on the age, condition, and current value.
Our bicycle loans have fixed interest rates. The rate for your loan will be locked in when the loan is created and won’t change. A fixed rate gives you consistent monthly payments, which helps with budgeting. It also means you won’t have to worry about future rate increases.
No down payment is required for a bike loan. You can finance 100% of the purchase price.
Many different types of bikes qualify for financing, including road bikes, mountain bikes, electric bikes (e-bikes), trikes, tandem bikes, recumbent bikes, and more!
Columbia Credit Union membership is open to individuals and businesses in Washington State and in the Oregon communities of Clackamas, Marion, Multnomah, and Washington Counties (and to families of eligible individuals).
Great financing options beyond bicycle loans.
Auto Loan Refinance
We’ll look to lower your existing rate by up to 1.00% APR*. Plus, take an additional 0.25% APR* off by setting up automatic payments from your Columbia CU checking account.
ATV Loans
Hit the trails fast without stretching your budget! Our quick application and personalized support let you focus on finding the perfect ATV for every adventure.
Motorcycle Loans
Get on the road fast and explore new destinations. Our motorcycle financing offers quick loan decisions, competitive rates, and flexible terms to help you get your dream bike.
*APR=Annual Percentage Rate. “Bicycle Loans” are fixed rate only. Your APR will be based on the selected repayment term and credit qualifications which include residential status, credit history, and employment history. Payment example: If you borrow $5,000 for 48 months at 8.74% APR your monthly payment would be $123.81. Maximum Loan Amount is $10,000.
Lowest APRs in each range include a 0.25% discount from our Checking Relationship Plan with an automatic loan payment from a Columbia Credit Union checking account. Within 30 days of loan closing, Automatic Loan Payments can be set up through online banking or a Columbia Credit Union representative. The Plan discount excludes payments made to lines of credit, credit cards, share-secured loans, 1st mortgages, home equity, business loans, and payments made through online bill pay.
Membership is required to borrow. Columbia Credit Union may offer other rates in the future.