trek bike financing usa

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Trek Financing

We believe that bike riding is essential for a healthy and happy life. While finding the perfect new bike is exciting, sometimes life can be a little complicated and hectic.  Purchasing an awesome new set of wheels outright might add some unnecessary stress to your budget.

We’re happy to help by providing finance options to our customers. If setting up a monthly payment plan is the difference between you hitting the trails on a new set of wheels or sitting at home on the couch, we’ll be thrilled to help you get out and ride.

Trek Financing powered by Citizens Pay® is here to provide you, our amazing customer, a pay-over-time Line of Credit lending solution.  This nifty tool enables approved customers to buy what they want, when they want, with the digital payment options they expect.

With low monthly payments over a set period of months starting at 0% APR, customers can feel at ease shopping the brands they love at The Bike Shoppe, without the fear of high interest credit card debt (on purchases between $199 and $25,000 for the first purchase or between $99 and $25,000 for subsequent purchases) depending on creditworthiness. Minimum purchase amounts vary by term length.

Apply for a line of credit on your own by scanning the QR code posted here. Once approved, customers with a Trek Financing line of credit can use their available credit to make purchases at any participating location, regardless of where they opened their line of credit.

Customer Financing Process

1. Product Page or Email

Customer begins shopping from a scanned QR code or website.

2. Customer Application

Customer provides a few key pieces of information to check eligibility.

3. ID Verification Code

One time passcode is texted or emailed to customer to confirm identification.

4. Offers Preview

Customer is shown a preview of the financing offers they're eligible for.

5. Line of Credit Confirmation

Approved customers can use their line to complete purchase.

6. Purchase is Complete

Confirmation is sent to customer with purchase total listed. The customer will finalize their offer selection to complete the purchase.

Term Offers Preview

3 month term.

For subsequent purchases on existing accounts:

• $99 min purchase required
• 0% APR for 3 months

24 Month Term

Based on creditworthiness:

• $199 min purchase required
• As low as 0-9.99% APR

36 Month Term

• $499 min purchase required
• 9.99% APR for 36 months

 - OR -

• As low as 0% APR

 *Promotional APR: Offer available on qualifying purchases of select products charged to a Citizens Pay Line of Credit account. 0% APR - 9.99% APR from the date an eligible purchase is posted to your account until paid in full, based on term length. Minimum purchase for first transaction: $499. Equipment purchase must be included in first transaction. Minimum subsequent purchase: $99. Monthly payment and total finance charges are estimates, do not include taxes, and may vary from the actual minimum payment due and interest charges that will be shown on your Citizens Pay Line of Credit statement. Limited time offer. Standard Purchase APR is 29.99% for non-promotional purchases. Subject to credit approval. Other transactions affect overall minimum payment amount. Regular account terms apply to non-promo purchases. Account must be in good standing. Click here for important information about Rates and Fees and the Citizens Pay Line of Credit Agreement. Citizens Pay Line of Credit Account offered by Citizens Bank, N.A.

How to Pay for a New Bike: Financing 101

Funding your new bike doesn’t have to be a painful experience

There are a few different ways you can go about financing a bike, from the simplest method—paying cash—to the more complex bike-specific mortgages, and we looked into the pros and cons of each. Your dream bike may seem out of your price range, but there are ways to work with bike companies and shops, or your bank, to get you pedaling it sooner.

A quick word to the wise: You don’t need to go into debt to ride a sweet bike.

Pay Cash for a Cheaper Bike If you’re buying a used bike , sellers are often willing to negotiate—especially if you have cold, hard cash in hand and are ready to make the purchase then and there. Certain bike shops are open to haggling, though that’s more rare. Still, limiting your spending and paying cash is the best way to avoid an annoyed spouse, a depressing bank statement, or angry creditors. The priciest option in the shop might be great, but don’t ignore the mid- or low-range bikes—especially since top-tier tech tends to find its way into economical models.

Bicycle-Specific Mortgage Some companies—like the Virginia Credit Union—actually offer bicycle-specific loans. It’s worth asking your bank or credit union about them; they tend to see lower interest rates, since you’ll often pay off a bike faster than a house or a car (unless you’ve been drooling after one of these dream bikes ).

Credit Card Paying for a bike with a credit card can be a good move, if you have a credit card that you consistently pay off and that offers good rewards or points for money spent. Of course, the faster you can pay something off, the better, so put a plan in place and resist impulse-buying a bike on a credit card. However, Trek actually offers its own credit card, accepted at over 1,000 Trek retailers in North America. The card is a good deal: It offers six- and 12-month “No Interest Payment Plans,” so if you can pay off the bike within that time frame, you won’t get hit with any interest.

Bike Shop Financing A lot of local bike shops offer layaway programs. Kris Dunbar, owner of Aztec Cycles in Georgia, explains that his shop offers a layaway program where, if the bike is already in stock in the store, they will split the total price (including tax) into three payments. At the outset, the customer is asked only to pay a third down, and then gets six weeks to pay things off. "Oftentimes, we do not strictly stick with that arrangement,” Dunbar adds. “On a customer by customer basis, we tell the customer it doesn't matter how many payments they make as long as they are consistent and don’t disappear after one payment. Sometimes, it takes them eight weeks or even longer, but as long as they are continue paying, they are in good standing."

Molly writes about cycling, nutrition and training with an emphasis on bringing more women into sport. She's the author of nine books including the Shred Girls series and is the founder of Strong Girl Publishing . She co-hosts The Consummate Athlete Podcast and spends most of her free time biking and running on trails, occasionally joined by her mini-dachshund.

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Buying a bike on finance: everything you need to know

What bike finance is, where to get it and how to buy a bike using it. BikeRadar’s definitive guide to buying a bike on finance

Stan Portus / Our Media

Paul Norman

So you’ve done your research and found the best bike for you and your needs. Now you just need to buy it.

Bike finance offers a flexible way of paying for your bike in monthly instalments, rather than all in one go, and many bike retailers offer this online and in-store. This guide focuses on UK retailers, but you'll find many similar options in other countries.

To help you decide whether bike finance is the right option for you, we’ll walk you through the key things to know and some of the different options available.

What is bike finance?

How does bike finance work, pros of financing a road or mountain bike, cons of financing a road or mountain bike.

• Finance through Cycle to Work

Who is eligible for bike finance?

How much can you borrow on bike finance, what else can you buy with bike finance.

• Electric bike finance

Who offers bikes on finance?

Bike finance enables you to purchase a new bicycle and spread the cost of paying for it across an agreed period of time.

Road bike finance, mountain bike finance and ebike finance are all available from the retailers we’ve included at the end of this article, so if you’re looking for a flexible way to purchase a quality bit of cycling kit, bike finance could be a good option to consider.

Buying a bike on finance is usually available as an option on bikes costing upwards of £250.

Clearance bikes and bikes on sale are also often available to purchase on finance, so it’s worth checking out the sales as well if you’re looking for a cheap road or mountain bike.

On approval of your application to buy a bike on finance, you’ll often be asked to pay a deposit up front. This is usually around 10 per cent of the total price of the bike.

You can spread the cost of your repayments over the course of (in most cases) between three and 48 months.

Zero per cent interest deals are often available on shorter-term agreements.

Longer-term payment plans (usually upwards of 12 months) will mean lower monthly repayments, but they will usually have interest percentage rates added on top of the cost of the bike.

A quick note on terminology. 'Interest rate' and 'APR' are two terms often used within bike finance agreements that look similar (both are expressed as a percentage rate) but are completely different beasts.

• Interest rate refers to the flat charge on the amount of money loaned through your bike finance agreement
• APR is calculated using a complex formula (prescribed by FCA rules) and takes into account other credit charges and fees alongside interest rates

For example, a credit agreement subject to a zero per cent rate of interest may not automatically have an APR of zero per cent, because there may be other fees or credit charges under the agreement.

A word of warning

Please remember that applying for loan finance is noted on your personal credit rating, and missing or making late repayments will harm it and may make it harder to borrow in the future.

Don’t borrow more than you can afford to repay; use BikeRadar’s reviews to help you find a great bike whatever your price limit.

The advantage of finance is that it enables a customer to spread the cost of a purchase via a series of affordable payments, rather than spend a lump-sum upfront.

Of course, regardless of whether you’re buying a bike on finance or outright, you should never spend more than you can afford.

Unless your agreement is 0 per cent interest and 0 per cent APR, the downside of bike finance is that there will be interest and other charges to pay, meaning you may pay more over time than the original cost of the bike.

Like any contract, once you’ve applied, have been accepted and signed the finance agreement, you will be obligated to make the agreed monthly repayments, so only apply if you know you will be able to do so.

Late or non-payment will void any interest-free agreements. You will incur late payment interest and payment charges, and will end up paying more.

In serious cases, you could be taken to court by the lender. It can also seriously harm your credit rating, which could affect future credit applications, including mortgage applications.

So, again, we stress, don’t buy something that you’re unsure you can afford. Make sure you read the fine print of any agreement before signing to avoid any unexpected costs down the line.

Also bear in mind that you won't own the bike until you've paid off the balance of the loan. If you write off the bike or it's stolen, you'll still be eligible for the loan payments, so it's a good idea to look for bike insurance to cover your shiny new bike.

Bike financing through the Cycle to Work Scheme

If your employer is participating in a Cycle to Work Scheme , it’s possible to buy a new bike through it and save money by doing so.

With this scheme, you effectively ‘rent’ a bike from your employer tax free, and then buy it off them at the end of the loan period. Savings of up to 42 per cent on a full-priced bike are possible.

The main difference between this and financing elsewhere is that your repayments are taken directly out of your salary, so you will not pay tax or National Insurance on this sum.

There used to be a blanket £1,000 cap on what could be bought through the scheme, but the Department for Transport updated its guidance in 2019 and now allows employers to save on cycle to work packages in excess of £1,000.

It’s worth checking with your employer to see if there is a company cap in place.

The specific terms may differ for each provider, but generally, to apply for bike finance in the UK you must:

• Be at least 18 years or older
• Be a permanent UK resident
• Be either: in regular employment, either full-time (16+ hours a week) or self employed, retired and over 50 years old with a pension, or in receipt of a disability allowance
• Be able to make repayments by Direct Debit
• Provide your previous address if you have lived at your current address for less than three years

Under Financial Conduct Authority consumer credit rules, every applicant for finance will be subject to an affordability assessment, which will involve an ID and credit reference check for anti-money laundering purposes.

If your application has been declined before, there’s no reason why you shouldn’t reapply. Be aware that repeated applications could severely harm your credit rating, however.

It’s widely recognised that circumstances change and your ‘risk level’ will be considered based on the information in your newest application.

Retailers acting as brokers give finance credit on purchases made costing upwards of £250. Some retailers offer finance up to £15,000.

You will be assessed on your ‘risk’ factor and what the likelihood is of you paying that amount back.

Alongside interest-free or 0 per cent APR finance options for bikes, brokers often allow finance credit to be applied on bike components , accessories and technology costing over the minimum threshold (usually around £250 to £280).

It’s unlikely that the 0 per cent interest or 0 per cent APR will be available on these additional products if bought separately from the bike, so check the terms of the contract thoroughly before committing.

Buying an electric bike on finance

Electric bikes are great for a host of reasons, and you can now find one for almost any kind of riding; urban cruising becomes easier with commuter or cargo ebikes , and an electric mountain bike gives you extra oomph to tackle long days in the hills.

However, ebikes are still accompanied by a hefty price tag, so many bike finance brokers now offer ebike finance.

If you live in Scotland, you can also take advantage of a scheme funded by Transport Scotland with the Energy Saving Trust , which offers an interest-free loan of up to £6,000 to buy an ebike.

The repayment period is over four years and per household. It covers two ebikes (capped at £3,000 each), one family cargo or e-cargo bike (capped at £6,000), or one adaptive bike or ebike. There's a new scheme to be launched in summer 2023, which will allow you to purchase a used ebike with a loan.

Most major bike retailers provide the opportunity for you to purchase a bike on finance and act as credit brokers, rather than lenders.

It is unlikely you will be borrowing money from the retailer itself. V12 Retail Finance is the UK’s only specialised retail finance provider via its Ride It Away product, and most online bike retailers provide bike finance credit through it. Many brick and mortar bike shops also use V12 Finance.

The terms of bike finance vary from retailer to retailer, so shop around to find the terms that work for you.

These lenders are known providers of bike finance. Our Media is not making any recommendation or endorsement of their products by listing them in this article.

• Evans Cycles : Offers finance on reduced and full-priced bikes costing upwards of £280, allowing you to spread the cost with 0 per cent finance for up to 12 months, with a 10 per cent deposit.
• Halfords : Offers flexible finance credit through partner Klarna Bank AB on bikes purchased in-store or online, and is regulated by the Financial Conduct Authority for the purpose of credit broking. Representative APR 0 per cent agreements are available on repayments made over three to 12 months, and a fixed representative APR 18.9 per cent will apply to repayments split across 24 to 48 months.
• Cyclestore : Offers 0 per cent finance on orders exceeding £250. You are able to qualify for six, nine, 12 or 18 monthly repayments or, if you exceed £1,000, you can apply for a 24-month 0 per cent finance agreement.
• Wiggle / Chain Reaction Cycles : Credit is available via PayPal Credit on selected bikes and components over £280. It's not shown on the order page, but is an option when you get to the payments screen.
• Tredz : Spend £99 or more on any items with Tredz and you could be eligible to spread the cost with finance with no up-front deposit. Short-term 0 per cent APR finance options are available on purchases over £250. For longer-term payment plans, 14.9 per cent APR applies. Zero per cent APR deferred finance is also available, so you can ‘buy now, pay later’. You can choose this option for 12 months if you spend £1,500, or three to six months on orders over £850. Spend over £2,500 and you could be eligible for zero per cent finance over 36 months. There's also a 'pay in three' option at zero per cent.
• Ribble Cycles : A V12 Finance calculator on the Ribble website allows you to choose your preferred finance type and personalise the deposit amount to pay upfront against the cash price during the application process for bike finance. Most retailers do not offer this flexibility from the off. The option to stagger payments is available for purchases over £350. You can pay this off over 24 or 36 months under Classic Finance at 14.9 per cent APR. Alternatively, you can apply for zero per cent finance over 6 months with a minimum £350 spend. Spend over £2,500 and you can apply for zero per cent finance over 12 months.
• Cycles UK : Cycles UK uses V12 Finance and you can apply for zero per cent finance for up to 12 months. There's a 10 per cent deposit, you can apply with a minimum spend of £300 and potentially apply for up to £15,000 credit. The standard rate of interest for loans that fall outside the zero per cent offer is 15.9 per cent.

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Latest News

Citizens and trek bicycle partner to offer convenient payment and financing options for cycling enthusiasts.

PROVIDENCE, R.I. --(BUSINESS WIRE)-- Citizens today announced a partnership with Trek Bicycle , a global leader in the design and manufacturing of bicycles and related products, to make consumer financing simple and easy for Trek customers. Through Citizens Pay , a market-leading financing solution from Citizens, consumers looking for reliable and innovative cycling products to match their lifestyle now have access to flexible payment options at more than 1,400 Trek retailers globally.

“We are committed to fueling consumers’ passions through innovative financial solutions, giving them more purchasing power and freedom to explore the outdoors through high-quality products,” said Christine Roberts, Executive Vice President and President of Citizens Pay. “By partnering with Trek to offer new installment financing, customers have more options so they don’t have to compromise on the quality of their equipment and can instead focus on where their next ride will take them.”

Trek Financing powered by Citizens Pay is now available for in-store Trek purchases and will be available for online purchases through TrekBikes.com later this year. Cycling enthusiasts can purchase a range of Trek products, including mountain, road, electric, hybrid and kids bikes, as well as accessories, apparel, parts, and services, through predictable monthly installments. Customers who qualify will benefit from Citizens’ ability to offer low interest rates and predictable monthly payments.

“We are excited to partner with Citizens Pay to offer our customers flexible payment solutions,” says Chad Brown, Trek Bicycle CFO. “At Trek, we are committed to providing incredible hospitality. With Trek Financing, customers are guaranteed a frictionless buying experience with the ability to get out on their bike in the same day."

Citizens Pay is a market leader in point-of-sale installment financing, offering a responsible way for consumers to pay for large purchases in fixed, monthly payments, while providing retailers and merchants with tailored, embedded financing options that drive customer loyalty. For additional details, visit www.citizenspay.com .

About Citizens Financial Group, Inc. Citizens Financial Group, Inc. is one of the nation’s oldest and largest financial institutions, with $223.1 billion in assets as of June 30, 2023. Headquartered in Providence, Rhode Island , Citizens offers a broad range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations and institutions. Citizens helps its customers reach their potential by listening to them and by understanding their needs in order to offer tailored advice, ideas and solutions. In Consumer Banking, Citizens provides an integrated experience that includes mobile and online banking, a full-service customer contact center and the convenience of approximately 3,400 ATMs and approximately 1,100 branches in 14 states and the District of Columbia . Consumer Banking products and services include a full range of banking, lending, savings, wealth management and small business offerings. In Commercial Banking, Citizens offers a broad complement of financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management solutions, as well as loan syndication, corporate finance, merger and acquisition, and debt and equity capital markets capabilities. More information is available at www.citizensbank.com or visit us on Twitter , LinkedIn or Facebook .

About Trek Bicycle Trek Bicycle is a global leader in the design and manufacturing of bicycles and related products. Trek believes the bicycle can be a simple solution to many of the world's most complex problems and is committed to breaking down the barriers that prevent people from using bicycles more often for transportation, recreation, and inspiration.

View source version on businesswire.com: https://www.businesswire.com/news/home/20230913418006/en/

Eleni Garbis [email protected] 781-471-2233

Source: Citizens Financial Group, Inc.

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© Copyright 2024 Citizens Financial Group, Inc. All rights reserved. Citizens Bank is a brand name of Citizens Bank, N.A. (NMLS ID# 433960). Securities and Insurance Products are: • NOT FDIC INSURED • NOT BANK GUARANTEED • MAY LOSE VALUE • NOT A DEPOSIT • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

Does Trek Bikes Offer Financing for Your Next Adventure?

• Post author By bicycle-u
• Post date 08.12.2023

If you’re in the market for a new bike, you know that finding the perfect ride can be an exciting but sometimes expensive endeavor. Fortunately, Trek Bikes offers a range of financing options to help you get the bike of your dreams without breaking the bank.

With their commitment to making biking accessible to all, Trek Bikes understands that not everyone has the means to pay for a new bike upfront. That’s why they offer flexible financing plans that allow you to spread out your payments over time. Whether you’re a casual rider or a seasoned cyclist, there’s a financing option that can fit your budget.

One of the best things about Trek Bikes’ financing options is that they are affordable. You won’t find yourself paying exorbitant interest rates or hidden fees. They believe that everyone should have the opportunity to enjoy the thrill of riding a high-quality bike, and their financing plans reflect that commitment.

Trek Bikes Financing Options

Trek Bikes understands that purchasing a new bicycle can be a significant investment. That’s why we offer a variety of financing options to help make your dream bike more affordable.

With our financing options, you no longer have to compromise on quality or settle for a bike that doesn’t meet your needs. Whether you’re looking for a road bike, mountain bike, or e-bike, we have a financing plan that can work for you.

We partner with leading financial institutions to provide convenient and flexible payment plans. With affordable monthly installments, you can ride your ideal Trek bike while staying within your budget.

We offer competitive interest rates and flexible terms, so you can choose the financing option that best suits your financial situation. Whether you prefer a shorter repayment period or a longer-term plan, we can find a solution that works for you.

Our financing options are easy to apply for, with a quick and simple application process. You can apply online or in-store, and our team will guide you through every step of the process to ensure a hassle-free experience.

Don’t let the cost of a new Trek bike hold you back from your cycling goals. Take advantage of our financing options today and start enjoying the ride on a high-quality, reliable, and comfortable Trek bike.

Disclaimer: Financing options are subject to approval and availability. Terms and conditions may apply.

Affordable Payment Plans

At Trek Bikes, we understand that investing in a new bike can be a financial commitment. That’s why we offer a variety of affordable payment plans to make it easier for you to get the bike you want without breaking the bank.

Flexible Financing Options

We have partnered with leading financial institutions to offer flexible financing options that suit your budget and lifestyle. Whether you prefer short-term or long-term financing, we have a plan for you.

No Hidden Fees

With our financing options, you can enjoy transparent pricing without any hidden fees. We believe in providing clear and straightforward terms to ensure you know exactly what you’re getting into.

When you choose to finance your Trek bike, you can take advantage of low monthly payments that fit comfortably within your budget. Our payment plans are designed to be affordable, so you can enjoy the ride without worrying about your wallet.

With our affordable payment plans, you can ride the bike of your dreams sooner than you think. Take advantage of our financing options today and start exploring the world on your new Trek bike.

Flexible Financing Solutions

At Trek Bikes, we understand that buying a new bike can be a significant investment. That’s why we offer a variety of flexible financing options to help make your dream bike more affordable.

Our financing solutions are designed to fit your needs and budget. Whether you’re looking for a short-term financing option or a longer-term plan, we have options available. You can choose to finance your purchase with Trek Bikes directly or through one of our trusted partners.

With our financing options, you can enjoy all the benefits of owning a Trek bike without having to worry about the upfront cost. Plus, we offer competitive interest rates and flexible payment plans to make it even easier to manage your finances.

Applying for financing is quick and easy. Simply visit one of our authorized dealers or apply online. Our friendly team will guide you through the process and help you find the best financing solution for your needs.

Don’t let the cost of a new Trek bike hold you back. Take advantage of our flexible financing options today and start enjoying the ride of your life.

Convenient Monthly Payments

At Trek Bikes, we understand that purchasing a new bike can be a significant investment. That’s why we offer convenient financing options to make it easier for you to get the bike of your dreams without breaking the bank.

With our financing plans, you can spread the cost of your purchase into affordable monthly payments. This means you can enjoy all the benefits of owning a Trek bike without worrying about a large upfront payment.

Our financing options are designed to be flexible and cater to your individual needs. Whether you’re looking for a short-term plan or a longer-term option, we have a payment plan that can fit your budget. You can choose the repayment duration that works best for you, ensuring that your monthly payments are manageable and convenient.

Getting started with our financing options is quick and easy. Simply apply online, and once approved, you can start shopping for your new Trek bike. Our team is always available to answer any questions you may have and guide you through the process.

Don’t let the cost deter you from owning a Trek bike. With our convenient monthly payments, you can experience the joy of riding a high-quality bike while staying within your budget. Start the journey today and explore our range of financing options for your Trek bike purchase.

Special Financing Offers

Trek Bikes offers a variety of special financing options to help make purchasing your dream bike more affordable. Whether you’re looking for a mountain bike, road bike, or electric bike, there’s a financing offer that can fit your budget.

One of the special financing offers available is a 0% interest for 12 months plan. This allows you to spread out the cost of your new Trek bike over a year without incurring any additional fees or interest charges. It’s a great option if you want to invest in a high-quality bike but need to manage your payments over time.

Another financing offer is a low monthly payment plan. With this option, you can choose to pay a fixed amount each month for a set period of time. This allows you to budget your payments and ensure you can afford your new Trek bike without breaking the bank.

If you prefer to have more flexibility in your payments, Trek Bikes also offers a deferred interest plan. With this option, you can make minimum monthly payments for a certain period of time, and as long as you pay off the full amount within the specified time frame, you won’t be charged any interest. It’s a great option if you want to have the freedom to pay off your bike at your own pace.

When considering financing options for your new Trek bike, be sure to check the specific terms and conditions of each offer. Some offers may have minimum purchase requirements or credit approval processes.

With Trek Bikes’ special financing offers, you can get the bike you’ve always wanted without breaking the bank. Take advantage of these flexible payment plans and start enjoying your new adventures on a Trek bike.

Low Interest Rates

When it comes to purchasing a new bike, financing options can make all the difference. Trek Bikes understands this, which is why they offer low interest rates on their financing plans.

With low interest rates, you can enjoy affordable monthly payments while still being able to ride the bike of your dreams. Whether you’re looking for a road bike, mountain bike, or electric bike, Trek Bikes has a financing option for you.

Benefits of Low Interest Rates

There are several benefits of choosing a financing plan with low interest rates with Trek Bikes:

• Lower monthly payments: With low interest rates, your monthly payments will be more affordable, allowing you to better manage your budget.
• Savings over time: By selecting a financing plan with lower interest rates, you will save money in the long run compared to higher interest options.
• Faster payoff: With lower interest rates, you’ll have the opportunity to pay off your bike sooner, saving you even more money.

It’s important to consider the advantages of low interest rates when financing your new bike. At Trek Bikes, they understand the value in offering affordable payment options to make your cycling dreams a reality.

At Trek Bikes, we believe in providing transparent and affordable financing options for our customers. That’s why we don’t charge any hidden fees when you choose to finance your bike purchase with us.

We understand that buying a new bike can be a significant investment, and we want to make it as easy and accessible as possible. Our financing options are designed to fit your budget and provide flexible payment plans that work for you.

When you take advantage of our financing offer, you can rest assured that there are no additional fees or charges lurking behind the scenes. We believe in being upfront and honest about the costs involved, so you know exactly what you’re getting into.

Our financing options include affordable payment plans that allow you to spread out the cost of your new bike over a set period of time. We offer competitive interest rates and flexible terms, ensuring that you can find a plan that works for your budget.

Whether you’re purchasing a mountain bike for off-road adventures or a road bike for long rides, our financing options make it easier for you to get the bike you want without breaking the bank.

Easy Application Process

Applying for financing is quick and easy. Simply fill out our online application form, and we’ll review your information and let you know if you’re approved. Once approved, you can start enjoying your new bike right away!

Don’t let budget constraints hold you back from getting the bike of your dreams. Take advantage of our financing options today and ride in style without worrying about hidden fees.

Easy Online Application

At Trek Bikes, we understand that financing a new bike can make a big difference in your ability to get on the road or trail. That’s why we offer a range of financing options to fit your budget and make it easier for you to own the bike of your dreams.

Applying for financing has never been easier with our online application process. With just a few simple steps, you can submit your application from the comfort of your own home.

Step 1: Choose Your Bike

Before you begin the application process, take some time to explore our wide selection of Trek bikes. Whether you’re looking for a mountain bike, road bike, or electric bike, we have the perfect ride for you.

Step 2: Gather Your Information

Before starting the application, make sure you have all the necessary information on hand. This may include your social security number, employment details, and financial information. Rest assured that your personal information is encrypted and secure.

Step 3: Complete the Online Application

Once you have chosen your bike and gathered your information, you can now fill out our simple online application form. Provide accurate information to ensure a smooth and quick approval process. Our financing team will review your application promptly and provide you with a decision.

So why wait? Apply for financing online today and take the first step towards owning your dream Trek bike. Don’t let financial constraints get in the way of your biking adventures.

Instant Approval Process

Trek is proud to offer an instant approval process for financing options on our bikes. We understand that purchasing a bike can be a significant investment, and we want to make the process as quick and convenient as possible for our customers.

With our instant approval process, you can receive a decision on your financing application within minutes. Simply fill out the online application form and provide the necessary information. Our team will quickly review your application and determine your eligibility for financing.

By offering an instant approval process, we aim to provide our customers with a seamless and efficient buying experience. Whether you’re looking for a mountain bike, road bike, or any other type of bike, our financing options can help make your purchase more affordable.

Don’t let budget constraints hold you back from getting the bike of your dreams. Take advantage of Trek’s instant approval process and start enjoying your new bike today!

Multiple Payment Options

At Trek Bikes Financing, we understand that not everyone has the same financial situation. That’s why we offer multiple payment options to make it easier for you to get the bike of your dreams!

Whether you prefer to pay upfront or spread out the cost over time, we have a solution for you. Here are some of the payment options we offer:

• Pay in Full: If you have the funds available, paying in full is a great option. You can enjoy your new Trek bike without any monthly payments or interest charges.
• Installment Plan: We offer flexible installment plans that allow you to pay for your bike over a set period of time. This option gives you the convenience of spreading out the cost while still enjoying your new bike.
• 0% Financing: With our 0% financing option, you can enjoy your new Trek bike with no interest charges. This is a great choice if you want to pay for your bike over time without worrying about additional costs.
• Trade-In Program: If you have an old bike you no longer use, you can take advantage of our trade-in program. Simply trade in your old bike and apply the value towards the purchase of a new Trek bike.

No matter which payment option you choose, you can rest assured that Trek Bikes Financing is committed to making the process as easy and convenient as possible. We want to help you get out on the trails with your new Trek bike without any financial stress.

Contact us today to learn more about our financing options and find the payment plan that works best for you!

Extended Warranty Options

When purchasing a bike, it’s important to consider not just the bike itself, but also any additional protection and coverage that you may need. Trek Bikes understands this and is committed to providing their customers with peace of mind with their extended warranty options.

With the purchase of a new bike, Trek offers extended warranty plans that provide coverage beyond the standard warranty. These plans offer protection against defects in materials and workmanship for an extended period of time, giving you added security and confidence in your investment.

It’s important to note that the extended warranty options offered by Trek are completely optional. However, they are highly recommended as they provide an extra layer of coverage for your bike, giving you peace of mind that you’re protected against unforeseen circumstances.

With the extended warranty options from Trek, you can ride your bike with confidence knowing that you’re covered. So when considering your financing options for your new bike, be sure to inquire about the extended warranty plans available. Investing in an extended warranty is a smart choice that ensures the longevity and performance of your bike.

Don’t take any chances when it comes to protecting your investment. Choose Trek Bikes and take advantage of their extended warranty options. Your bike deserves the best protection, and Trek is here to offer it to you.

Upgrade Programs

If you’re looking to upgrade your current bike or simply want to try out a new model, Trek Bikes has several financing options that can make it more affordable for you. Upgrade programs are designed to provide you with flexible payment solutions that fit your budget.

Trade-In Program

With Trek Bikes’ trade-in program, you can trade in your current bike and use its value towards the purchase of a new one. This is a great option if you have an older bike that you’re no longer using or if you’re ready for an upgrade. To participate in the trade-in program, simply bring your bike to one of our authorized retailers, and they will assess its value and provide you with credit towards your new purchase.

Financing Plans

In addition to the trade-in program, Trek Bikes offers financing plans to help you spread out the cost of your new bike. With these plans, you can choose affordable monthly payments that fit your budget. Whether you’re looking for a mountain bike, a road bike, or an electric bike, our financing options make it easier for you to get the bike you want without breaking the bank.

Our financing plans require a minimum purchase amount and offer 0% interest, so you can enjoy your new bike without worrying about high monthly payments. Simply choose the plan that works best for you, and you’ll be on your way to owning your dream bike.

Upgrade your biking experience today with Trek Bikes’ financing offer and take advantage of our trade-in program and flexible payment options. Get the bike you’ve always wanted and hit the trails or the open road in style.

Trade-in Options

At Trek Bikes, we understand that financing a new bike can be a big investment. That’s why we offer trade-in options to help make your dream bike more affordable.

With our trade-in program, you have the opportunity to trade in your old bike and receive credit towards the purchase of a new Trek bike. This means you can upgrade to a newer model or a different type of bike without breaking the bank.

Our trade-in process is simple and hassle-free. Just bring your bike to any Trek store, and our knowledgeable staff will evaluate its condition and provide you with a fair trade-in value. The trade-in value can be applied towards the financing of your new bike, making it even more affordable.

By choosing our trade-in option, you not only save money, but you also contribute to a more sustainable future. Through our program, we give your old bike a new life by refurbishing it or using its parts for repairs. This helps reduce waste and promotes a circular economy.

Whether you’re looking to upgrade your current bike or try out a different style, our trade-in options make it easier and more affordable. Visit your nearest Trek store today to explore our financing options and learn more about how you can trade in your old bike for a new Trek.

Exclusive Discounts for Financing Customers

As a valued financing customer, you are eligible for exclusive discounts on Trek bikes. We believe that financing your bike should come with extra benefits, and that’s why we have partnered with Trek to offer you special pricing.

With our financing options, you can choose the bike of your dreams without breaking the bank. And now, with our exclusive discounts, owning a Trek bike has never been more accessible.

Whether you’re a seasoned cyclist or just starting out, Trek has a bike for you. From road bikes to mountain bikes, electric bikes to kids’ bikes, Trek offers a wide range of high-quality bicycles designed to suit every rider’s needs.

When you finance your Trek bike with us, not only do you get the convenience of affordable payment plans, but you also get to enjoy discounted prices on the entire range of Trek bikes.

How to Avail the Exclusive Discounts

To avail the exclusive discounts, simply choose your desired Trek bike and select one of our financing options during checkout. Once your financing is approved, the discounted price will automatically be applied to your purchase.

Remember, these exclusive discounts are only available to financing customers, so take advantage of this special offer now and save on your new Trek bike.

Don’t miss out on this opportunity to own a top-of-the-line Trek bike at a discounted price. Start exploring our financing options today and ride away with a great deal!

Dedicated Customer Support

At Trek, we understand that purchasing a new bike can be a big investment. That’s why we offer a variety of financing options to make owning a Trek bike more affordable and accessible.

One of the key benefits of financing through Trek is our dedicated customer support. We have a team of knowledgeable and friendly representatives ready to assist you throughout the financing process.

Whether you have questions about our different financing plans, need help with the application process, or want to understand the terms and conditions of your financing agreement, our customer support team is here to help.

Expert Guidance

Our customer support team is trained to provide expert guidance and advice when it comes to financing your Trek bike. They can help you understand the various options available and determine which plan best fits your budget and needs.

Our representatives can also provide information on the application process, including any required documents and how long it typically takes to get approved. They will make sure you have a clear understanding of the financing terms and monthly payments.

Responsive and Timely Assistance

We pride ourselves on providing responsive and timely assistance to our customers. Our customer support team is available by phone or email to address any questions or concerns you may have.

If you need help troubleshooting any issues with your financing or if you have changes to your personal information, our representatives will work quickly to resolve the problem. We understand that your time is valuable, so we strive to provide efficient and effective customer support.

When you choose to finance your Trek bike, you can rest assured knowing that you have a dedicated customer support team ready to assist you every step of the way. We are committed to ensuring a positive and seamless financing experience for all of our customers.

Secure and Confidential

At Trek Bikes, we understand the importance of keeping your personal information secure and confidential. When you choose to finance your bike purchase with us, you can trust that your data is in safe hands.

We take extensive measures to protect your information from unauthorized access or disclosure. We use industry-standard encryption technologies to safeguard your personal and financial data, ensuring that it remains private and secure.

Rest assured, when you apply for financing through Trek Bikes, your information is handled with the utmost care and confidentiality. We adhere to strict privacy policies and regulations to ensure that your personal data is not shared or sold to any third parties.

Secure Online Application Process

Our online financing application process is designed to be secure and user-friendly. The application form is encrypted to safeguard your data while it is being transmitted over the internet. You can confidently provide the necessary personal and financial information knowing that it is protected.

We also employ advanced fraud detection systems to detect and prevent any unauthorized activity. This helps to ensure that your information is secure throughout the entire financing process.

Safe Payment Options

When it comes to making your monthly payments, we offer a variety of secure and convenient options. You can choose to set up automatic payments through our secure online payment portal, or through other popular payment gateways.

We work with trusted payment partners to ensure that your transactions are safe and secure. All payment processing is done in a PCI-compliant environment, adhering to strict data security standards.

When you choose Trek Bikes for your financing needs, you can have peace of mind knowing that your information is secure and confidential. We prioritize the privacy and security of our customers’ data, so you can focus on enjoying your new bike adventures without any worries.

Helpful Financing FAQs

Here are some frequently asked questions about the financing options offered by Trek Bikes:

1. What financing options does Trek offer?

Trek Bikes offers a variety of financing options to help make bike ownership more affordable. These options include installment plans, interest-free financing, and special financing promotions.

2. How can I apply for financing?

To apply for financing, simply visit a Trek Bikes store or check their website for online financing applications. You will need to provide some personal and financial information, and the application process is usually quick and easy.

3. Do I need good credit to qualify for financing?

Trek Bikes understands that not everyone has perfect credit. While good credit can increase your chances of approval, Trek also offers financing options for customers with less-than-perfect credit. It’s always worth applying to see what options are available to you.

4. What are the benefits of financing through Trek?

Financing through Trek Bikes allows you to spread out the cost of your bike purchase over time, making it easier to afford a higher-end model or accessories. Financing can also help you budget your payments and manage your expenses more effectively.

5. Are there any fees associated with financing?

Depending on the financing option you choose, there may be fees such as interest charges or annual fees. It’s important to carefully review the terms and conditions of any financing offer before agreeing to it.

Remember to reach out to Trek Bikes directly for specific information about their current financing options and terms. They will be able to provide you with the most up-to-date and accurate information.

Contact Us for More Information

If you’re interested in purchasing a Trek bike but need more information on our financing options, we’re here to help. Our team of experts can provide you with all the details you need to make an informed decision.

Whether you’re looking for a mountain bike, road bike, or hybrid bike, we have a variety of financing options available to fit your budget. Our affordable payment plans make it easy for you to get the bike you want without breaking the bank.

How to Reach Us

To learn more about our financing options or to speak with one of our knowledgeable representatives, you can contact us by phone or email. Our customer service team is available to assist you Monday through Friday from 9 am to 5 pm.

Phone: 555-123-4567

Email: [email protected]

Why Choose Trek Bikes

At Trek Bikes, we pride ourselves on offering high-quality bikes at affordable prices. With our flexible financing options, you can get the bike you want without compromising on quality.

Our team is dedicated to providing the best customer service possible. We’re here to answer any questions you may have and help you find the perfect bike for your needs.

Don’t let financing stand in the way of getting the Trek bike you’ve always wanted. Contact us today to learn more about our financing options and get one step closer to your next cycling adventure.

Questions and answers:

What are the financing options available for trek bikes.

Trek Bikes offers several financing options to make purchasing a bike more affordable. These options include installment plans, financing through a Trek credit card, and special financing promotions that may be available.

How can I apply for financing on a Trek bike?

To apply for financing on a Trek bike, you can visit a Trek store or their website and fill out a financing application. The application will require personal and financial information, and you may also be asked to provide proof of income.

What are the requirements for financing a Trek bike?

The requirements for financing a Trek bike may vary depending on the financing option you choose. Typically, you will need to be at least 18 years old, have a valid ID, and provide proof of income. You may also need to have a good credit score to qualify for certain financing options.

Can I make payments online for my Trek bike financing?

Yes, Trek Bikes offers an online payment portal where you can make payments towards your financing. This allows you to conveniently manage your account and make payments from the comfort of your own home.

Are there any fees or interest associated with the financing options for Trek Bikes?

Yes, there may be fees and interest associated with the financing options for Trek Bikes. The specific fees and interest rates will depend on the financing option you choose and your creditworthiness. It’s important to carefully review the terms and conditions before applying for financing to understand any associated costs.

What financing options does Trek Bikes offer?

Trek Bikes offers a variety of financing options to make their bikes more affordable. They have partnerships with several financing companies that offer installment plans with low interest rates. They also offer a Trek Credit Card that allows customers to finance their purchase with 0% APR for a certain period of time.

How can I apply for financing through Trek Bikes?

Applying for financing through Trek Bikes is easy. You can visit their website and fill out an online application form. The financing company will review your application and let you know if you are approved. If you are approved, you can then choose the payment plan that works best for you.

Can I finance a Trek bike with bad credit?

Trek Bikes understands that not everyone has perfect credit. They work with financing companies that offer options for people with less than perfect credit. While having bad credit may affect the interest rate you are offered, it does not necessarily disqualify you from financing a Trek bike.

What is the average interest rate for financing a Trek bike?

The interest rate for financing a Trek bike will depend on your credit score and the financing company you choose. On average, the interest rates range from 0% APR for customers with excellent credit to around 15% APR for customers with lower credit scores. It is recommended to shop around and compare financing options to find the best rate.

Can I pay off my Trek bike financing early?

Yes, you have the option to pay off your Trek bike financing early. Most financing companies do not charge penalties for early repayment. Paying off your financing early can help you save on interest and become the owner of your bike sooner.

Related posts:

• Bike Financing Made Easy – Get Your Dream Ride Without the Hassle of Down Payment
• Bike loan opportunity with zero interest rate – get your dream bike today!
• Find the Nearest Trek Store for All Your Biking Needs
• Trek Bicycle Warranty – Everything You Need to Know About Protecting Your Investment
• Find High-Quality Trek Bikes Near Me for Your Next Adventure
• Trek Bikes – the Ultimate Comparison with Other Brands Revealing Unbeatable Features and Benefits
• Trek Mountain Bikes – The Ultimate Guide to Choosing the Perfect Bike for Your Adventure
• The current price range of Trek cycles and factors influencing the prices

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Affirm Financing offers the option to make easy monthly payments starting over 3 months and up to 36 months for select bicycle purchases. Just select Affirm at checkout.

Enter a few pieces of information for a real-time decision. Checking your eligibility won't affect your credit score. No hidden fees. Know up front exactly what you'll owe, with no hidden costs and no surprises.

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