How it works!
Option One| A. | Apply for Unitus membership and sign-up for uOnline. |
| B. | Login to uOnline and apply for your bicycle loan. |
| C. | 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)**. |
| D. | Go to a Unitus branch to complete the account opening process and to 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)**. |
| E. | Take the check to the bicycle shop and complete your purchase. |
Option Two
| A. | Purchase the bicycle, along with any accessories**. |
| B. |
Go to a Unitus branch with your receipt of purchase within two weeks of purchase date (receipt must be itemized).
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| C. | If approved for membership and the loan, Unitus will reimburse 100% of the total bicycle/accessory cost. |
Buying a custom built bicycle from a bicycle builder in your local community?
Please contact bicycleloan@unitusccu.com or call 503 227 5571, option 2. You can speak with an expert in the Member Loan Center for further details on how this custom program works.
*APR=ANNUAL PERCENTAGE RATE. Rates are based on your credit history and credit qualifications. Minimum $250; maximum $3000. 6.99% rate includes a .50% discount for direct deposit and automatic payment from a Unitus Rewards Checking account. Rate is 7.49% if direct deposit, automatic payment and a Unitus Rewards Checking account are not selected. Maximum loan term is 24 months. Applies to new purchase only. Additional terms may apply, contact Unitus for more information. All checking accounts require a $20.00 initial deposit to open. Loan term based on amount borrowed.
** Total purchase price, including accessories, cannot exceed 120% of the retail price of the bicycle.