Finance your next ride with the UC Davis Bike Loan from University Credit Union, the official credit union of UC Davis.

University Credit Union is proud to partner with the UC Davis Bike Barn to offer the official UC Davis Bike Loan. This low rate, high reward financing option comes with exclusive banking benefits offered to University Credit Union’s growing network of financially savvy member-owners. 

UC Davis Bike Loan features include:

• Best Rates in the Nation Guarantee*: University Credit Union guarantees that the rates on consumer loans, including the UC Davis Bike Loan, are within the top 5% lowest nationwide.
• Different term options available: choose the ideal timeline to make your repayments – UCU has terms to fit every budget. 
• Quick access to funds: receive your funds in one lump sum to use at your convenience. 
• Up to 0.50% APR¹ discount: 0.25% when you sign up for auto pay² and 0.25% for repeat borrowers³.

Apply Today!

The application process is simpler than you may think:

STEP 1: Under “Loan Information” on the application, select “Personal Loan” for “Type of Loan”, and at the bottom of the page, where the field says, “Promotion Code”, please enter the code “BIKE”. Then complete the rest of the application.

STEP 2: UCU reviews your submission. 

STEP 3: Once approved, funds will be directly deposited into your account. 

STEP 4: Head to the UC Davis Bike Barn to pick up your new ride! 

Switch gears and bank with your brain!

Did you know University Credit Union offers a high-yield checking account that comes with no monthly fees, no overdraft fees, and surcharge-free co-op ATM access nationwide?

Start earning 3.00%⁴ APY!

OPEN AN ACCOUNT

And don’t forget the official UC Davis debit card!

FAQs

Q: How can I access my UC Davis Bike Loan funds?

A: Once approved, your funds will be available in your checking account or via a check. You can easily access your funds and monitor your payments and balance through mobile and online banking.

Q: What interest rates will I get for my personal loan?

A: Personal loan interest rates are given in the form of an APR. The APR may vary depending on your credit history and underwriting factors. Additionally, the term you choose may also affect the rate you're offered. To view UCU’s rates, click here.

Q: What will my personal loan monthly payment be?

A: Your monthly payment will depend on your loan amount, your APR, and your term. A shorter-term means a higher monthly payment while a longer-term means a lower monthly payment (but you'll pay more interest over the life of the loan).

Once you've finalized your loan details, your monthly payment will stay the same until the loan is paid off in full making budgeting much easier.

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FEDERALLY INSURED BY NCUA

Programs, rates, terms, and conditions are subject to change without notice.

*UCU guarantees that our lowest loan rate for cars, credit cards, consumer loans, and HELOCs are in the top 5% nationwide as measured in a monthly rate survey by Rate Watch, a part of S&P Global.

¹APR = Annual Percentage Rate. 

²Rate with Automatic Payment from a University Checking Account may be discounted by 0.25% APR as long as the rate does not fall below 9.74%. Credit Cards, HELOCs, and mortgages are excluded.

³Repeat Borrower discount of 0.25% based on minimum 6 months of positive UCU loan repayment history.

⁴APY = Annual Percentage Yield. To earn 3.00% APY, member must have a qualifying Smart Checking Account, opened August 1, 2024 and after. Based on a combined rate of 2.96%. All accounts must be in good standing with no delinquency or bankruptcy pending. Qualifying Smart Checking Accounts will earn 3.00% APY in dividends on balances up to $25,000. Balances above $25,000 will be paid at the regular checking rate.

Qualifying Smart Checking Accounts are defined as being enrolled in eStatements and having a direct deposit to the Smart Checking Account of at least $1,000 aggregated monthly. If the requirements are not met, then no dividend is earned. Secondary Smart Checking Accounts not eligible to earn APY. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account at the end of each day. Dividends are disbursed monthly into the active Smart Checking Account. APY is accurate as of the last dividend declaration date. Fees could reduce the earnings on the account. Rate subject to change after account opening and may vary based on qualifications met at month end. Not valid with any other offers. No minimum balance is required. To establish a UCU Membership, you must deposit at least $5 to a Regular (Share) Savings Account. A $50 minimum deposit is required to open a Smart Checking Account. All accounts are subject to approval. For other details regarding this account, you can reference your account disclosures, which detail all other terms and conditions.