Skip to main content

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
  • First 6 months:
    • As low as 0-9.99% APR
  • Remaining 18 months:
    • 29.99% APR

36 Month Term

Based on creditworthiness:

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

 - OR -

  • First 12 months:
    • As low as 0% APR
  • Remaining 24 months:
    • 29.99% 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.