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 80% 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).
C.If approved for membership and the loan, Unitus will reimburse 80% of the total bicycle/accessory cost into your new Unitus Rewards checking account**.

Buying a custom built bicycle from a bicycle builder in the Portland metro area?
Please contact bicycleloan@unitusccu.com or call (503) 227-5571 x2483. Ask to talk with one of our bicycle loan experts, Mike or Sue, for further details on how this custom program works.

Disclosures

*APR=ANNUAL PERCENTAGE RATE. Rates are based on your credit history and credit qualifications. Minimum $250; maximum $2500. Maximum loan term is 12 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 borrow. Maximum loan term 12 months

** Total purchase price, including accessories, cannot exceed 120% of the retail price of the bicycle.

***To qualify for a Unitus bicycle Loan, you must have an open Unitus Rewards Checking Account and sign-up for Direct Deposit and Automatic Loan Payments.