Support Topics
Bicycle Loans
Popular Questions
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The standard late payment fee of 5% of payment due or $20, whichever is greater.
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Apply Today!
Credit Score
APR*
740+
6.99%
739 - 700
6.99%
699 - 660
6.99%
659 - 610
6.99%
609 - 560
6.99%
559 or below
6.99%
Available on new purchases only. Total purchase price, including accessories, cannot exceed 120% of the retail price of the bicycle.
*APR = Annual Percentage Rate. Rates are based on your credit history and credit qualifications.
Minimum loan amount is $250. Maximum loan repayment period is 36 months or 12 months per $1,000 borrowed. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
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“Unite us” is at the very heart of the Unitus name and we’re committed to treating every member like family. For over 75 years, we’ve been providing exceptional, low cost services to our members.
When it comes to community partnerships, Unitus likes to think we have an unobstructed vision. A large part of that vision includes working with organizations that positively shape education and health and human services. Click here to view some of the organizations we’ve partnered with throughout the years.
It’s important our members know that one of Unitus’ core values is to give back to the communities we serve, both socially and economically. Unitus provides its employees with paid volunteer hours once per month with our branch community partners.
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Apply for Unitus Membership online or at any Unitus branch.
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Yes, Unitus encourages you to pay your loan off early.
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The money that you borrow from Unitus for a bicycle loan stays within your own community. Your money is then borrowed by fellow Unitus members to further establish a healthy living community with opportunity to grow. It’s people helping people.
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Yes, you do. There is a $10 membership fee and you do have to keep $5 in your savings account at all times as this is your “ownership” or “share” in Unitus.
Your eligible to join if:
- You live or work in Multnomah, Washington, Clackamas, Marion, Polk, Yamhill, Columbia, Hood River, Benton, Linn, Lane, Deschutes, Douglas, Josephine, or Jackson County in the State of Oregon.
- You live, work*, worship, or go to school anywhere in the State of Washington.
- Someone in your immediate family is elgible for membership at Unitus or is already a member (e.g. spouse, parent, brother, sister, aunt, uncle, grandparent, or grandchild).
*Directors, retirees, volunteers, and natural persons under contract to work for organizations located anywhere in the State of Washington are also eligible to join.
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Unitus wants to help identify bicycling as a legitimate mode of transportation and supports the active and healthy lifestyle we share in the Pacific Northwest.
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A Credit Union is a place where people with common interests, like where they live or work, come together to save and borrow their money.Credit Unions provide many of the same services that banks do, but there are a few things that make us different:
- We are “not for profit”. This simply means we’re not in business just to make money
- Money that we do make is returned to you in the form of better rates and services
- We’re owned by you—the member
- As much as possible, the money we make is spent and put back into the local community where you live
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No, except our standard late payment fee of 5% of payment due or $20, whichever is greater.
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Yes, your credit will be checked to qualify you for a bicycle loan.
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Loan term is based on the amount borrowed. Maximum loan term is 36 months.
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- New and used bicycles
- 100% of total purchase price (including accessories)**
- Minimum: $250
- Maximum: $7500
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Yes, the Unitus bicycle loan is for new and used bicycles.
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Not at this time.
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Yes, the total purchase price can include the cost of the bicycle and accessories (not to exceed 120% of the retail price of the bicycle).
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