Getting your hands on the Trek bike of your dreams just became easier and more affordable. Trek Bike Financing, powered by Citizens Pay, offers a seamless way to finance your new bicycle and cycling gear. Don’t let budget limitations hold you back; Trek Financing provides flexible payment options, allowing you to spread the cost over time. With attractive plans starting at 0% APR for the initial 6 to 12 months, followed by a 29.99% APR for the remaining term based on creditworthiness*, owning your ideal Trek bike is now within reach. It’s a straightforward and secure method to acquire the cycling equipment you need today and pay over time.
Currently, Trek Financing is available for purchases made at participating retail stores. Please note that trekbikes.com does not currently accept Trek Financing for online purchases.
Find the Right Gear and Financing Options
Ready to explore the possibilities? Use our convenient store locator to find participating Trek retailers near you. Visit a local store to browse our extensive selection of Trek bikes and accessories and discuss Trek bike financing options in person.
Check Your Eligibility for Trek Bike Financing
Curious if you qualify? You can quickly check your eligibility for Trek Bike Financing without impacting your credit score. This convenient pre-qualification process allows you to understand your financing options before making a purchase decision.
Ride Sooner with Trek Financing
Once approved for Trek Financing, you can select the payment terms that best suit your budget, finalize your purchase, and hit the road or trail on your new Trek bike! It’s that simple. Start enjoying your new cycling gear without delay thanks to Trek Bike Financing.
Explore Trek Financing terms*
*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: $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. 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.
Key Program Requirements for Trek Financing
To take advantage of Trek Bike Financing, please ensure you meet the following basic requirements:
- Age Requirement: You must be 18 years of age or older.
- Residency: You must have a valid US billing address.
- Phone Number: You need an SMS-capable phone number for communication and verification.
- Purchase Total: Your initial shopping cart total must be between $199 and $25,000, and subsequent purchases should be between $99 and $25,000 to qualify for financing. Remember that your first purchase must include equipment.
Troubleshooting Trek Financing Payment Options
If Trek Financing isn’t appearing as a payment option during checkout, it likely means that some items in your shopping cart are not eligible for financing.
Please double-check that your order total falls within the eligible range of $99 – $25,000 and that your cart doesn’t contain gift cards. Importantly, gift cards cannot be purchased using Trek Financing or used in conjunction with Trek Financing for a purchase. Ensure your initial purchase includes equipment to qualify for financing.
Returns on Purchases Made with Trek Financing
Should you need to return an item purchased using Trek Financing, our standard return guidelines apply.
Once your return is processed, your Trek Financing account will be credited within 7 to 10 business days.
Need Customer Support for Your Trek Financing?
For any questions or assistance regarding your Trek Financing account, Citizens Pay offers comprehensive customer support:
- Visit the Citizens Pay website
- Download the Citizens Pay App for convenient account management on the go.
Your local Trek bike shop is your best resource for expert advice, product knowledge, and assistance in choosing the perfect bike and accessories. They can also guide you through the Trek Financing application process in-store.
We are confident you’ll love your new Trek bike. We stand behind our products with a 30-day satisfaction guarantee. If you’re not completely satisfied with your bike within the first thirty days, you can return it hassle-free.
Your new Trek bike will be professionally assembled and ready to ride, either for in-store pickup or convenient home delivery.
Find your dream bike today by browsing local inventory online for the quickest availability.
Frequently Asked Questions About Trek Bike Financing
What exactly is a Citizens Pay Line of Credit?
Trek Financing is facilitated through a Citizens Pay Line of Credit, which allows you to make purchases at participating Trek retailers. This line of credit provides specific APR rates and repayment terms for each purchase. To ensure timely payments, we highly recommend setting up automatic payments for your Citizens Pay account.
Will a credit inquiry appear on my credit report if I am approved for a Citizens Pay Line of Credit but don’t complete a purchase?
Yes, a hard inquiry will be recorded on your credit report once it has been submitted to a credit bureau as part of the approval process, regardless of whether you finalize the purchase.
If approved for a Citizens Pay Line of Credit but I don’t make a purchase, will my account be automatically closed?
Yes, if you are approved but do not make a purchase, your Citizens Pay Line of Credit will automatically close after a period of inactivity, as detailed in the Citizens Pay Line of Credit Terms & Conditions and Line of Credit Agreement.
Can I use my Citizens Pay Line of Credit for future Trek bike purchases?
Yes, in many cases, you can use your Citizens Pay Line of Credit for subsequent purchases at participating Trek retailers.
How can I access my Citizens Pay account summary and payment history?
Citizens Pay provides a user-friendly and secure platform to manage your Line of Credit information. Visit www.pay.citizensbank.com to view your account summary, transaction history, and make payments conveniently from your computer or mobile device.
What are the methods for making payments on my Citizens Pay Line of Credit?
Upon approval, you will receive a welcome email from Citizens Pay containing a link to set up your account and enroll in automatic payments. We strongly encourage you to enroll in automatic payments to ensure your payments are always on time. For comprehensive details about managing your Citizens Pay Line of Credit, please visit www.pay.citizensbank.com.
Want to Discover More?
Download the Citizens Pay app for easy account management:
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.
