Credit-union bike loans in Colorado
In Colorado, the standout is the rebate, not a loan — the state knocks $225 off at the register and Denver stacks more on top. For the part you finance, First Southwest Bank — a rural-Colorado mission bank — lends on Colorado-legal Class 1–3 e-bikes (motor ≤750W), though it doesn’t publish rates. Statewide, Clean Energy Credit Union’s e-bike loan (from 8.24%) is open to anyone.
Verified Jun 2, 2026 First Southwest Bank page ↗
Colorado lenders we can verify
Local lenders plus the national ones anyone can join. Sort by rate or loan size.
Rates come from each lender’s own page — these are directory listings, not affiliate links. Regional lenders need you to live or work in their area.
| Loan type | From | ||||||
|---|---|---|---|---|---|---|---|
| Open to anyonePenFed Credit Union | Personal loan (bike-eligible) | Nationwide | From 6.09% (with autopay) | Up to $50,000 | Up to 60 mo | ✓ | Their loan page |
| First Tech Federal Credit Union | Personal loan (bike-eligible) | Nationwide | 6.99–18.00% | $500–$50,000 | 6–84 mo | ✓ | Their loan page |
| Open to all 50 statesClean Energy Credit Union | Dedicated e-bike loan | Nationwide (online) | From 8.24% (with autopay) | $500–$15,000 | 36–84 mo | ✓ | Their loan page |
| Alliant Credit Union | Personal loan (bike-eligible) | Nationwide | From 8.74% (with autopay) | $1,000–$100,000 | 12–60 mo | ✓ | Their loan page |
| Connexus Credit Union | Personal loan (bike-eligible) | Nationwide | 9.49–18.49% | $1,000–$50,000 | 24–84 mo | ✓ | Their loan page |
| First Southwest Bank | Dedicated e-bike loan | Rural Colorado | Not published | Up to the purchase price | Not published | ✓ | Their loan page |
“As low as” rates assume strong credit, usually with autopay — yours may be higher. “Personal loan” rows are general loans you can spend on a bike, not bike-specific products. Confirm eligibility and terms on the lender’s page before applying. Last checked 2 June 2026.
Colorado is unusual in that the rebate comes off at the register: the $225 point-of-sale credit (plus Denver’s voucher) cuts the price before you borrow, so anything you finance is a smaller loan.
Borrow less, pay less. A rebate shrinks the loan.
A credit union sets the rate; a rebate sets the amount. Claim any Colorado e-bike rebate you qualify for first, then finance what’s left — you’ll pay interest on a smaller number, sometimes small enough that you barely need a loan at all.
What Colorado riders ask
Which Colorado lender finances an e-bike?
First Southwest Bank, a CDFI mission bank serving rural Colorado, has a dedicated e-bike loan for Colorado-legal Class 1–3 e-bikes (motor ≤750W, no gas, no full-suspension mountain bikes). It doesn’t publish rates — you contact the bank. Clean Energy Credit Union’s e-bike loan is open statewide.
How does the Colorado rebate affect a loan?
Colorado’s $225 credit comes straight off the price at a registered retailer, and Denver’s voucher can stack for up to $900 off — both lower the amount you’d finance, and the interest on it.
Can any Coloradan join a national credit union for a bike loan?
Yes. PenFed (from 6.09%), First Tech, Alliant and Connexus all let anyone in the US join, often via a small one-time donation. Clean Energy Credit Union’s dedicated e-bike loan (from 8.24%) is also open in every state.
What counts as a street-legal e-bike in Colorado?
Colorado recognises Class 1, 2 and 3 e-bikes with a motor of 750W or less. First Southwest Bank’s loan follows that definition and excludes gas bikes and full-suspension mountain bikes.
Looking beyond Colorado? See every credit-union bike loan we can verify, or compare all the ways to finance a bike.