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 Financing 

Ride Now. Pay Later.

Thanks to special financing offers, a fantastic new bicycle is within your reach. Increase your buying power, and take home a new bike as well as cycling apparel and equipment today! We offer 3 to 24 month deferred interest special financing plans through Citizens Pay, allowing you to ride now and pay later.

Applying online is quick, convenient, and secure. Qualified buyers can be pre-approved in minutes! You can also visit us and apply in-store; please bring a valid ID, credit card, and your social security number. Since this is a financial commitment we suggest taking the time to read all the materials and apply online before coming in to the store. As soon as you’re approved, you can start enjoying all of the benefits of special financing.

Have questions about your existing account? Contact Citizens Pay customer care team at 877-512-0223

Term Length

Current Promotional Offer Subject to Individual Credit Approval

Min. Purchase Required






24 Month TermAs low as 0%-9.99% APR for the first 6-months then 29.99% for the remaining 18-months, based on creditworthiness.
$199.00
36 Month Term
As low as 0.00% APR for the first 12-months then 29.99% for the remaining 24-months, based on creditworthiness. $499.00

36 Month Term9.99% APR for 36-months. 
$499.00
3 Month Term 0.00% APR for 3-months (for subsequent purchases on existing accounts)$99

 **3-month Term at 0% APR is ONLY available for existing accounts - previously approved customers with TF purchase history. The minimum purchase eligible for this term is $99.  -

Your Financing Options

  • 6 month deferred interest with $199 min purchase
  • 12 month deferred interest with $499 min purchase
  • 6-36 month plans with 9.99%-29.99% APR with $499 min purchase

To qualify, purchase must include a bicycle.

Your Financing Benefits

  • Low minimum monthly payments
  • No annual cardholder fee
  • 24 hour online account access
  • Paperless billing available

*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. Trek financing is USA only. 


Find Your Dream Bike

Ready to start your search for your new bike? Shop our selection online and visit us today to go for a test ride.