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Financing Options At The Bike Shoppe

We think that riding is an essential part of a healthy and happy life. While finding the perfect new bike is exciting, sometimes life can be a little complicated and purchasing that awesome new set of wheels outright might put some stress on your wallet.

That’s why we’re happy to provide financing options to our customers. If setting up a payment plan is the difference between you hitting the trails on a new set of wheels and sitting at home on the couch, we’ll be excited to help you get out there and ride.

Introducing the Trek Credit Card

Trek credit card

We’re excited to offer the Trek Credit Card from Comenity Bank.

It’s a convenient way to make smaller monthly payments so you can more easily afford the bike of your dreams. 

Check out the benefits and see for yourself.

Trek Credit Card Benefits

0% interest in the first 6 or 12 months

The Trek Credit Card is great because you’ll pay nothing in interest if you pay off your purchase within the first year. This introductory offer is great for people who plan to pay back their purchase in 12 months or less, this is a fantastic opportunity to start riding right away without racking up extra costs down the road.

Convenient minimum monthly payments

We’ll work with you to set up a payment plan that works for you. Every payment plan has a minimum payment, and as long as you continue to make those on time, you’re good to go. If you need to space out your payments over more than 12 months, that’s fine too.

No annual fee

The Trek Credit Card won’t cost you anything to have in your wallet. Period. Use it when you want and not when you don’t, without worrying about trying to make purchases just to get your money’s worth.

Accepted at 1,300+ Trek retailers

We hope you’ll choose to shop with us, but if you do end up moving to a new location, odds are you’ll be able continue to use your Trek card.

27/7 online access

Manage your account anytime with an easy-to-use online platform

What you need to get started

  • A government-issued photo ID

  • A valid tax identification number (SSN or SIN) 

  • Your street address (no PO boxes)

  • A Fair credit score

More Details

Introductory offer rates

There’s 0% APR for the first 6 or 12 months. If you need to space out your payments further, the introductory offer allows you to set up a payment plan over 24, 36, 48, or 60 months with just 9.99% APR.

Regular interest rates

After your introductory offer has expired, The Trek Card charges 26.99% APR.

Late fees

Late fees are either $29 or $40 depending on if you’ve been charged a late fee in the previous 6 billing cycles or not.

Single transactions

Payment plans are only applicable to single transactions, meaning you sign up to make payments on a bike, not a bike plus a helmet, lock, etc.

Minimum interest

If you owe interest on a payment, that amount will be $1 per billing period at a minimum.

Qualifying expenditures

In order to take advantage of the promotional offer, you must spend at least $210 for a 6 month payment plan, and at least $420 for a 12 month plan.