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Bicycle financing done right.

Ride away happy with a bike loan for your next eBike, mountain bike, gravel bike, or road bike. 


[1] APR=Annual Percentage Rate. [2] Payment example is based on a $3,000 loan for 24 months.

Rates as of: May 8, 2023
APR1 (as low as)
0 - 24 Months
APR1 (as low as)

[1] APR=Annual Percentage Rate. [2] Payment example is based on a $3,000 loan for 24 months.

Start your Bicycle Loan application

Bicycle Loan Benefits

Whether you're shredding trails or commuting around town, CCCU is here to help with mountain bike financing, electric bike financing, and other bike financing. You can get the loan and then the bike (or equipment), or buy first and we’ll reimburse you. 

Friends riding their bikes purchased with a bicycle loan from Consolidated Community Credit Union CCCU in Portland Oregon.

Fixed Rates

Our low, fixed rates keep your payment predictable from month to month.

Same-Day Financing

No need to wait! Get riding today with fast, easy bicycle financing from CCCU.

Local Service

Work with a local lender from CCCU for a smooth ride from start to finish.

Accessories Included

Gear up with the accessories you need. Our bike loans cover the whole package!

Mountain Bike Financing at CCCU

Hit a singletrack as soon as tomorrow with same-day mountain bike financing, because when the weather is right, there's no reason to wait!

Our bicycle loans are:

  • All-Inclusive: You're going to need a helmet and some other gear. Bundle it all into one easy payment with bicycle financing at CCCU.
  • Simple: Our low, fixed rates keep your monthly payment predictable so there are no surprises.
  • Fast: At CCCU, we know you're ready to ride. That's why we keep our decisions local and offer same-day bicycle financing.
The only thing left is deciding where to ride! Heading to Forest Park or Post Canyon? We'd love to know where your new mountain bike is taking you.
New Mountain bike loan from CCCU for a mountain biker to go out adventure in the forest on his bike.

Save money with our car buying guide.

Our Car Loans 101: Car Buying Made Easy guide prepares you for what to expect along your car buying journey, helping you find the right car and right car loan for you and your budget.

Ready to get started? Download your guide now:

What our members are saying:

“I've never applied for a loan before, but today Katherine N. walked me through the process and made it pain-free and simple. She's amazing at her job: super helpful and kind, and you can tell from her voice she truly, actually cares. That matters to me, and it should probably matter to you, too. Even the atmosphere inside the CCCU building is welcoming and easy. I cannot recommend this place enough.”

Kell D.

“Been a member here for years and they are always above and beyond with service. I had my time at ‘big banks’ and prefer to stick somewhere where they truly care about you and are eager to help if/when you need it. And for me that is a lot. Extra thank you to Hood River branch with their help on our recent RV loan. You made the process easy and enjoyable. I appreciate the communication and attention to fine details. All in all, the Messier family thinks you guys rock!”

Messier Family

“After a lifetime of being with a Big Bank since the late 90s, I closed my account and went with CCCU. I never knew that the banking experience, services, and even higher yields were possible!!! These people are wonderful.”


Frequently Asked Questions About Bicycle Financing

How do I apply for a bicycle loan?

Getting a bicycle loan with CCCU is fast and easy, especially when you apply online. The 2 most popular ways to apply for a bicycle loan:

  1. Apply for pre-approval.
    -    Bring in an itemized invoice from any retailer.
    -    Upon approval, funds will be deposited into your account.

  2. Purchase a bicycle and accessories from any retailer.
    -    Bring in an itemized receipt within 30 days of the purchase.
    -    Upon approval, funds will be deposited into your account.

You may be required to fax or email scanned copies of certain documents, like income verification, in order to qualify. Once qualified, we'll send the closing paperwork to your local CCCU branch so you can sign the documents. If you are unable to visit a branch, the documents may be sent through DocuSign. Your loan officer will work with you to make the process as easy as possible.

What types of bicycles do you finance?

We offer financing for the following bicycle types, as well as related equipment!

  • e-Bike
  • Mountain bike
  • Gravel bike
  • Road bike

Ready to apply? Simply apply online or contact our Consumer Loans team for preapproval. Your loan officer will work with you to make the process as easy as possible!


All loans subject to credit approval. Membership eligibility required to open account. Contact credit union for full details.