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 No penalty for early pay off Monthly payments Manage your loan with online and mobile banking Buy a new or used bike – even locks, lights and helmets Fixed rates Loan payment protection 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. Richmond Carytown Bicycle Co. Coqui Cyclery Pedal Power Pedego RVA Performance Bicycle Fredericksburg Bike Works Get moving now Applying for a bicycle loan is quick and easy. Get started right now. Apply now Bicycle Loan FAQs See More Resources Bicycle Loans FAQs Frequently asked questions about bicycle loans. Loan Payments Tired of writing checks and mailing them every month? Here are some safe & convenient ways to simplify your life and save money on stamps. How much will my loan payments be? Use this calculator to compute the payment amount (principal and interest) for a fixed rate loan.