Go places with the bike you want
Get a loan for a bicycle, electric bike, or related equipment.
Overview
Afford the bike you want while reducing your environmental impact and saving money on gas, car maintenance, and parking fees.
Rates*
All Rates36 Months
As low as % APR60 Months
As low as % APR-
Highlights
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Afford the bike you want
With loan amounts up to $20,000 you get greater flexibility in the type of bike you can afford.
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Finance electric bikes
Now you can afford an electric bike to help you travel faster than with a traditional bike.
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Finance equipment purchases
Bicycle loans can help cover the cost of related equipment to fix and maintain your bike's safety and performance.
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Terms from 36-60 months*
With flexible term lengths, you can more easily pay off your loan.
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Low rates
Save money over the life of the loan with our low rates.
Estimate your monthly payment
Monthly Payment
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1
Step One
Apply online.
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2
Step Two
Get approved.
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3
Step Three
Buy a bike and equipment.
Why Choose RCU?
At RCU, we're passionate about helping our Members improve their lives. If you want a credit union that keeps your unique needs in mind and helps you envision and manage your financial future, the friendly experts at RCU are here for you.
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That's how many chats, emails, and calls were served by our local Member Service Center in 2020.
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Best in State Credit Union by Forbes Magazine
Have a question?
At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.
Get a bike loan, get exercise, and explore the world around you
If you're looking for a way to purchase a new, used, or electric bicycle or other related equipment, then we can help you find the bicycle loan option that best fits your needs.
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*Rates are effective August 11, 2022 and are subject to change without notice. All rates, terms, and special offers subject to change. Bicycle may be financed up to 120% Loan-to-Value of the bicycle including the cost of accessories. Certain restrictions may apply. Calculate rates & payments
Rates
RCU's online application
Not a Member?
All RCU loans require Membership with the Credit Union. Start your application now, it only takes a few minutes!
Already a Member?
Log in to RCU online banking to start your prefilled application.
You can become a Member of RCU if you meet any of the following:
- You live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.
- You are an immediate family member of a current RCU Member.
- You work for a designated Select Employer Group.
Already applied in person or over the phone?
To check the status of your loan, view any loan conditions, or to upload any requested documents.
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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