trek bikes credit card application

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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
• As low as 0-9.99% APR

36 Month Term

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

 - OR -

• As low as 0% 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.

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Trek Credit Card

Finance your purchase with the trek credit card.

With the Trek Credit Card, a fantastic new bicycle is within your reach. Increase your buying power, and take home a new Trek bike, cycling apparel, and cycling equipment today! Our deferred-interest* special financing plans, allowing you to walk in and ride out.

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. As soon as you’re approved, you can start enjoying all of the benefits of your new Trek Credit Card.

Financing Options

• 12 month Special Financing plans available*
• 9.99% APR for 24, 36, 48 or 60 months, thereafter 28.74% standard variable APR**

Benefits Of The Trek Card

• 24/7 online access
• Convenient payment options
• No Annual Fee***
• Accepted on all purchases at Village Cycle Center

Ready To Ride?

Start shopping for your dream bike now!

*Subject to Credit Approval. Promotional financing available with Trek Credit Card Accounts offered by Comenity Bank, which determines qualifications for credit and promotion eligibility. Minimum monthly payments are required. Promotional plan availability may vary by provider location.

**If the purchase balance is not paid in full in 24, 36, 48 or 60 months (depending on the plan selected) or if you fail to make any payment when due, any remaining balance will be added to the regular purchase balance and subject to the standard variable purchase APR of 28.74%, based on the Prime Rate. Minimum monthly payments for this plan during the promotional period will be the greater of: the amount of the purchase, including the calculated finance charges that will be assessed from the date of purchase through the end of the promotional period, divided by the number of months in the promotional period, (rounded to the nearest $1); or $5. Required minimum purchase of $1,999. Promotional financing available with Trek Credit Card Accounts offered by Comenity Bank, which determines qualifications for credit and promotion eligibility. Minimum purchase and minimum monthly payments are required. The total Minimum Payment on your Account won't be less than $30. If your Account balance is less than $30, you must pay the amount indicated on your statement in full. To avoid late fees, you must make your Minimum Monthly Payment by the Due Date each month. Minimum Interest Charge is $1.00 per credit plan at a standard variable APR of 28.74%, based on the Prime Rate. Promotional plan availability may vary by provider location.

***Minimum Interest Charge is $1.00 per credit plan. Standard variable APR of 28.74%, based on the Prime Rate.

How to Pay for a New Bike: Financing 101

Funding your new bike doesn’t have to be a painful experience

There are a few different ways you can go about financing a bike, from the simplest method—paying cash—to the more complex bike-specific mortgages, and we looked into the pros and cons of each. Your dream bike may seem out of your price range, but there are ways to work with bike companies and shops, or your bank, to get you pedaling it sooner.

A quick word to the wise: You don’t need to go into debt to ride a sweet bike.

Pay Cash for a Cheaper Bike If you’re buying a used bike , sellers are often willing to negotiate—especially if you have cold, hard cash in hand and are ready to make the purchase then and there. Certain bike shops are open to haggling, though that’s more rare. Still, limiting your spending and paying cash is the best way to avoid an annoyed spouse, a depressing bank statement, or angry creditors. The priciest option in the shop might be great, but don’t ignore the mid- or low-range bikes—especially since top-tier tech tends to find its way into economical models.

Bicycle-Specific Mortgage Some companies—like the Virginia Credit Union—actually offer bicycle-specific loans. It’s worth asking your bank or credit union about them; they tend to see lower interest rates, since you’ll often pay off a bike faster than a house or a car (unless you’ve been drooling after one of these dream bikes ).

Credit Card Paying for a bike with a credit card can be a good move, if you have a credit card that you consistently pay off and that offers good rewards or points for money spent. Of course, the faster you can pay something off, the better, so put a plan in place and resist impulse-buying a bike on a credit card. However, Trek actually offers its own credit card, accepted at over 1,000 Trek retailers in North America. The card is a good deal: It offers six- and 12-month “No Interest Payment Plans,” so if you can pay off the bike within that time frame, you won’t get hit with any interest.

Bike Shop Financing A lot of local bike shops offer layaway programs. Kris Dunbar, owner of Aztec Cycles in Georgia, explains that his shop offers a layaway program where, if the bike is already in stock in the store, they will split the total price (including tax) into three payments. At the outset, the customer is asked only to pay a third down, and then gets six weeks to pay things off. "Oftentimes, we do not strictly stick with that arrangement,” Dunbar adds. “On a customer by customer basis, we tell the customer it doesn't matter how many payments they make as long as they are consistent and don’t disappear after one payment. Sometimes, it takes them eight weeks or even longer, but as long as they are continue paying, they are in good standing."

Molly writes about cycling, nutrition and training with an emphasis on bringing more women into sport. She's the author of nine books including the Shred Girls series and is the founder of Strong Girl Publishing . She co-hosts The Consummate Athlete Podcast and spends most of her free time biking and running on trails, occasionally joined by her mini-dachshund.

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What You Need to Know about The Trek Credit Card

The marketplace is overflowing with a variety of credit card offers geared towards niche target groups. It seems that there is a perfect credit card for consumers from every walk of life. Trek is a credit card that was designed with bicycling enthusiasts in mind, hence the name Trek. If you've not yet heard about this financial tool and you're into cycling, here is everything you need to know about the Trek Credit Card.

What is the Trek Credit Card?

The Trek Credit Card is a card that offers a variety of special financing options for bicycle enthusiasts and others. If you've had your eye on a new specialty bike but you're not yet prepared to lay out the cash, the Trek Card offers solutions for financing the bike of your dreams and more. The card is recognized by over 1,000 Trek retailers throughout the nation, according to the Trek Store . This is a store card that allows you to finance the purchase of bicycles, equipment, clothing, accessories, and anything else that is sold through Trek retailers.

What are the benefits of a Trek Card?

According to the Trek community website , the Trek Credit Card offers the benefits of a credit card at Trek Bikes with no annual fees. The initial APR on the card is just 9.99 percent for the first 24, 36, 48, or 60 months, depending on the promotional package you are accepted for. The rate goes up to a variable APR of 26.99 percent after the initial promotion expires.

Special purchase deals

Trek also offers special financing deals. If your purchases total $201 or more you may qualify for 6-month financing. If they are $420 or more, you may qualify for 12-month financing deals. You are required to make minimum monthly payments on a convenient schedule. The larger your purchase, the longer you have to extend the financing period.

Overview of the Trek credit card

Next Level Finance explains that the Trek credit card is a lifestyle card that is good at Trek retailers and local retailers that are licensed to sell Trek products. It's a store credit card that does not offer any rewards. It's not useful for building points towards a goal, but it does offer a zero percent introductory rate for the first 12 months. There are very few store credit cards that offer this kind of savings. The greatest benefit of the Trek credit card is that it allows you to purchase Trek products on credit. If you pay the charges off while the introductory zero interest rate is still in effect, you save a ton of money on interest charges and this is likely to be more beneficial than a rewards program that requires copious amounts of high-interest spending.

Do you need good credit to obtain a Trek credit card?

The Trek card is backed by Comenity bank. They set the credit requirements for approval of financing. You don't need stellar credit to qualify for a Trek card, but your credit score must be at least in the "fair" range" which means it must be 640 or better. Higher credit scores may help you to qualify for higher maximum amounts on the credit card. Another benefit of the Trek card is that cardholders with marginally fair credit scores can use the card to build up their credit scores. This requires making all payments on time. The bank reports to the major credit reporting agencies so a solid payment history is likely to boost your credit rating.

Review of the Trek Credit Card

Wallet Hub delivers a reliable assessment of the merit of the Trek Credit Card. They summarize the benefits of the card along with its shortcomings. They conclude that the Trek card is best suited for consumers who are interested in purchasing bicycles and accessories from Trek stores. It's the most useful for those who seek to build their credit rating. Cardholders with the ability to pay off the charges within the first 12 months of financing reap the most benefits because of the zero percent interest charge during this introductory period. The lack of a rewards program is compensated by the zero-interest introductory offer. Some cards offer many more benefits, but few that allow interest-free financing for a full year. This card is also for consumers who have a credit rating that is just "fair." Those with higher scores may want to consider a card that offers more in the way of rewards and benefits.

How long is the approval process

You may apply for the Trek Credit Card online. You must provide standard information on a secure website, including your name, social security number, and a few other personal details. If everything checks out instantly, you can hear in just a few seconds through the online format. Some applicants have experienced a wait time of up to five business days to receive their responses. Sometimes additional information is requested by the decision-makers to confirm identity or proof of income.

Final thoughts

The Trek Credit Card is a useful way to help build a low credit score, but it's also a great way to save money on financing bicycles and associated gear and accessories. There are no special rewards associated with this card, other than a full year of interest-free payments. Although it's not a card that is particularly useful after the introductory period, it's one that is good to use in the short-term. The interest rates after the initial promotion rise to a fairly high rate that is not difficult for other cards to beat, even with marginally good credit. Bicycle enthusiasts who can't wait to get their hands on their dream bikes can have their wishes fulfilled through the Trek credit card, and they may also enjoy a boost to their credit scores at the same time.

Written by  Allen Lee

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