Jumbo Home Loans

Our Jumbo Loan rates have never been lower!* Learn more

Dream Home - Bay Fed Jumbo Loans

Woman on a bike looking at the ocean

Bicycle Loans
Purchase New and Used Bikes,
Including eBikes!

Cruise around town on a new or used bicycle or eBike! Bicycles are great for exercise, running errands, and reducing your carbon footprint. We can help you get the bike of your dreams, whether it be a mountain bike for traversing the redwood forests, a cruiser for trips to the beach, or an eBike to really travel in style. 

  • Loan amounts from $500 to $7500*
  • Finance 100% of the purchase price, with an additional 10% financing available for accessories*

Apply Now


There are two ways to apply for a bicycle loan:

Option One:

  • Apply for the bicycle prior to purchase and receive a pre-approval.
  • Once pre-approved, bring in an itemized invoice from any retailer.
  • Loan will be funded by a disbursement to your account.

Option Two:

  • Purchase a bicycle and accessories from any retailer.
  • Bring in an itemized receipt within 30 days of the purchase.
  • Borrower will be reimbursed up to 110% of the purchase price.
  • Loan will be funded by a disbursement to your account.

*Payment Example: Make 36 monthly payments of $30.42 per $1,000 borrowed at 5.99%, Annual Percentage Rate. 5.99% APR based on approval of credit with credit score of 700+ or 6.99% APR on credit score of 600-699. Rates accurate as of July 30, 2021.Minimum loan amount is $500; maximum $7500. Purchase is available on new, used, and electric bicycles. Financing up to 100% from licensed bicycle retailer. Up to10% of the bicycle purchase price allowed for accessory add-ons. Total purchase price, including accessories, cannot exceed 110% of the retail price of the bicycle. Maximum loan term of 60 months on loan amounts over $5,000. All loans subject to credit approval with credit score and income verification, and valid Social Security Number or ITIN per Bay Federal Credit Union lending requirements. Must have a valid identification (such as a valid driver’s license or valid government-issued photo ID). Bay Federal Credit Union membership required at the time of closing. For complete information, visit www.bayfed.com or any Bay Federal Credit Union branch. Rates and terms are subject to change without notice.

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