Business LoansAccounts Style 02Car LoansCareersCheckingCredit CardsDigital BankingAccounts Style 01Home Equity LoansInsuranceInvestingMembershipMortgagePersonal LoansRV, Boat, Motorcycle LoansSavings
Skip to main content

Bicycle Loans

Want to change up your work routine with a healthy bicycle commute? Or enjoy a distance ride, a road race, or trail adventure on your days off? We can get you moving on two wheels.

Fixed payments & rates starting at


  • 1 Rate effective as of 05/18/2022. Minimum and maximum loan amounts or credit limits apply. Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit, a 0.5% discount for an automated payment method approved by us. Repay a personal loan in a minimum of 3 months to a maximum of 60 months. Rates range between 6.99% to a maximum APR rate of 29.24%. No application fee. Payment example: Based on a $10,000 loan with a monthly payment of $198.03 at 6.99% APR with a 60 month term. Other options are available with APR based on loan amount, repayment method, term and other factors. This example is an estimate only and assumes all payments are made on time. Regardless of available discounts, 6.99% is the minimum APR offered which includes maximum discounts. Ask us about other APR and longer term options.
Pay for


than just the bicycle - use for accessories too

Shop our


partners and pay with VACU financing

We know your financial health is important – but so is your overall health. That’s a big reason we offer dedicated loans for buying bicycles that keep you and your family moving. Our loans cover cyclists of all kinds – from students who want affordable wheels to get around campus to serious riders who are ready to invest in newer, high-end models. We cover 100% of your cost of a bicycle, as well as accessories.

Features & Benefits

  • Get a loan for as little as $100
  • Pay back over 12 months or up to 60 months, depending on the loan amount


Buy locally to take advantage of our bicycle loans.

If you want a bike, we probably have a partnership with a shop that can offer you VACU financing. We’re always adding new bike partners, so check back often.

Get moving now

Applying for a bicycle loan is quick and easy. Get started right now.