Bicycle Loans

Popular Questions

The standard late payment fee of 5% of payment due or $20, whichever is greater.

A Credit Union is a place where people with common interests, like where they live or work, come together to save and borrow their money.Credit Unions provide many of the same services that banks do, but there are a few things that make us different:

  • We are “not for profit”. This simply means we’re not in business just to make money
  • Money that we do make is returned to you in the form of better rates and services
  • We’re owned by you—the member
  • As much as possible, the money we make is spent and put back into the local community where you live

Yes, Unitus encourages you to pay your loan off early.

Bicycle Loans

Credit Score


Available on new purchases only. Total purchase price, including accessories, cannot exceed 120% of the retail price of the bicycle.

*APR = Annual Percentage Rate. Rates are based on your credit history and credit qualifications.

Minimum loan amount is $250. Maximum loan repayment period is 36 months or 12 months per $1,000 borrowed. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)

Disclosures PDF »



739 - 700


699 - 660


659 - 610


609 - 560


559 or below


Unitus wants to help identify bicycling as a legitimate mode of transportation and supports the active and healthy lifestyle we share in the Pacific Northwest.

Apply for Unitus Membership online or at any Unitus branch.

“Unite us” is at the very heart of the Unitus name and we’re committed to treating every member like family. For over 75 years, we’ve been providing exceptional, low cost services to our members.

When it comes to community partnerships, Unitus likes to think we have an unobstructed vision. A large part of that vision includes working with organizations that positively shape education and health and human services. Click here to view some of the organizations we’ve partnered with throughout the years.

It’s important our members know that one of Unitus’ core values is to give back to the communities we serve, both socially and economically. Unitus provides its employees with paid volunteer hours once per month with our branch community partners.

Yes, the total purchase price can include the cost of the bicycle and accessories (not to exceed 120% of the retail price of the bicycle).

Loan term is based on the amount borrowed. Maximum loan term is 36 months.

  • New and used bicycles
  • 100% of total purchase price (including accessories)**
  • Minimum: $250
  • Maximum: $7500

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