Financing

Get the right gear without the stress!

Trek Financing powered by Citizens Pay lets you buy the cycling gear you need, when you need it. Get bike financing that works for you, and spread the cost of your purchase over time with convenient, stress-free payment options starting at 0% APR for the first 6-12 months, then 29.99% APR for the remaining term based on creditworthiness.* It’s a simple, safe way to score the gear you love today. Trek Financing can be used on any purchase at Fond du Lac Cyclery – even if it is not a Trek product.

Trek Financing payment plans

Term LengthCurrent Promotional Offer Subject to Individual Credit ApprovalMin Purchase Required for Offer
24 Month TermAs low as 0%-9.99% APR for the first 6 months then 29.99% APR for the remaining 18 months, based on creditworthiness*$199
36 Month TermAs low as 0% APR for the first 12 months then 29.99% APR for the remaining 24 months, based on creditworthiness*$499
36 Month Term9.99% APR for 36 months^$499
3 Month Term0% APR for 3 months (for subsequent purchases on existing accounts)^$99
*0% APR – 9.99% APR for 6-12 Months Based on Credit: Offer available on qualifying purchases of select products charged to a Citizens Pay Line of Credit account. Minimum purchase for first transaction: $199-499, based on creditworthiness. Equipment purchase must be included in first transaction. Minimum subsequent purchase: $99. Promotional offers are based on creditworthiness with a 0% APR -9.99% APR from the date an eligible purchase is posted to your account for 6-12 months, then 29.99% APR for remaining term. 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. Other transactions charged to your account affect overall minimum payment amount. Regular account terms apply to non-promo purchases. Standard Purchase APR is 29.99% for non-promotional purchases. Account must be in good standing. Subject to credit approval. 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.

^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.

Program requirements

1. A US-issued debit or credit card
2. You must be 18 years or older
3. You must have a US billing address
4. An SMS-capable phone number
5. A total between $199-$25,000 for your first purchase or between $99-$25,000 for subsequent purchases.

To learn more and begin the process, go to https://www.trekbikes.com/financing/