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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 11/30/2021. Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit rating and include a 0.500% discount for repaying by an automated payment method approved by us. Minimum and maximum loan amounts or credit limits apply. Members who are approved for a personal loan will receive a 2.0% discount for a loan amount of $7,500 or more  for 48 months or more, and a 3.0% discount for a loan amount of $10,000 or more for 60 months or more. Regardless of available discounts, 6.99% is the minimum APR offered which includes maximum discounts.
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.