BIKES

Ride now & pay later with Trek Financing

Powered by Citizens Pay®

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 flexible payment options starting at 0% APR for the first 12 months, then 7.99% APR for the remaining term based on creditworthiness.* It’s a simple, safe way to score the gear you love today.

See If you're eligible

Trek Financing payment plans*

*Promotional Offers: Offers available on qualifying purchases of select products charged to a Citizens Pay Line of Credit account. Promotional offers are based on creditworthiness and term length, including (a) 0% APR for 3 months; (b) 7.99% APR - 19.99% APR for 24 months, (c) 0% APR for 12 months, then 15.99% APR for the next 24 months for a 36-month total term. Promotional APR is charged from the date an eligible purchase is posted to your account for the stated term length, then 29.99% APR until paid in full. Minimum purchase for first transaction: $199-499. 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. 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. We may charge $8 late fees, up to six times per year. 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.

Important things to know about Trek Financing

Program requirements

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

Troubleshoot payment options

If you don’t see Trek Financing as a payment option at checkout, it means the items in your cart aren’t eligible.

Be sure your total is between $99 - $25,000 and your cart does not include gift cards, but the initial purchase needs to include equipment. Gift cards cannot be used or purchased with Trek Financing.

Returns

If you need to return something purchased with Trek Financing, follow our return guidelines.

Your Trek Financing account will be credited within 7 to 10 business days after a return has been processed.

Customer support

Want to learn more?

visit citizens pay

Download the Citizens Pay app

download in app store

download in google play

Subject to individual credit approval. See the Citizens Pay Line of Credit Agreement for full terms and conditions. Citizens Pay Line of Credit Account offered by Citizens Bank, N.A. With approval of Citizens Pay Line of Credit at 0% APR and 12- or 18- month term. Subject to individual credit approval. See the Citizens Pay Line of Credit Agreement for full terms and conditions. Citizens Pay Line of Credit Account offered by Citizens Bank, N.A.