Bicycle Loans

Hassle-free bike loans for your two-wheeled commute.

Short on Cash for a New Bike? We’ve Got You Covered.

At Unitus, we believe bicycling is an important mode of transportation in our city, and a big part of the active and healthy lifestyle we share in the Pacific Northwest. That’s why we offer bike loans featuring:

Low, Fixed Rates

A competitive, fixed rate you can count on.

Same Day Funding

Our simple process gets you on the road same day.

Included Accessories

Bicycle financing covers accessories like a bike lock and lights, up to a total loan amount of 120% of the cost of the bicycle.

Enjoy the ride!

Unitus has teamed up with local bicycle shops and custom bicycle frame builders to help promote this sustainable product and encourage healthy living while actively connecting with our community.

Two Easy Options

There are two ways to get a bike loan from Unitus: you can get the loan first, then buy the bike. Or, you can buy the bike first and Unitus will reimburse you for the cost. Choose the option that works best for you:

Option 1: Loan First

  • Join Unitus
  • Apply for a bicycle loan
  • If approved, go pick out your bicycle at a local bicycle shop and have them give you an itemized invoice showing the total purchase price (including accessories)**.
  • Go to a Unitus branch to complete the account opening process and sign the loan documents. You will receive a check made payable to the bicycle shop and yourself for up to 100% of the total purchase price (including accessories)**.
  • Take the check to the bicycle shop and complete your purchase.

Option 2: Purchase Bike First

  • Purchase the bicycle, along with any accessories**.
  • Go to a Unitus branch with your receipt of purchase within two weeks of purchase date (receipt must be itemized).
  • Join Unitus
  • Apply for a bicycle loan
  • If approved for membership and the loan, Unitus will reimburse 100% of the total bicycle/accessory cost.

Buying a custom-built bicycle from a local cycle builder?

Call us at 503-423-8770 to speak with one of our bicycle loan experts about our custom program.

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