Credit-union bike loans in Washington
In Washington, Spokane City Credit Union runs a bicycle-or-eBike loan from 8.14% APR ($500–$10,000), with up to $250 of accessories rolled in. Near the Oregon border, Unitus (from 6.99%) and Providence reach SW Washington. Elsewhere in the state, the national lenders below are open to anyone — and Clean Energy Credit Union’s e-bike loan (from 8.24%) covers all 50 states.
Verified Jun 2, 2026 Unitus Community Credit Union page ↗
Washington 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 |
| Unitus Community Credit Union | Bicycle loan | Oregon & SW Washington | From 6.99% | Not published | Not published | ✓ | Their loan page |
| Spokane City Credit Union | Dedicated e-bike loan | Spokane, Washington area | 8.14–11.14% | $500–$10,000 | Up to 48 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 |
| Providence Credit Union | Bicycle loan | Portland, OR & SW Washington (8 counties) | From 11.95% | Not published | Up to 24 mo | ✓ | 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.
Washington’s state e-bike rebate is one of the most generous in the country, and it lowers what you’d need to borrow — so it changes the size of any loan. The credit-union options here are concentrated near Spokane and the Portland metro’s northern edge.
Borrow less, pay less. A rebate shrinks the loan.
A credit union sets the rate; a rebate sets the amount. Claim any Washington 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 Washington riders ask
Which Washington credit union finances e-bikes?
Spokane City Credit Union (Spokane area) runs an unsecured bicycle-or-eBike loan from 8.14% APR. Near the Oregon line, Unitus and Providence reach SW Washington counties. Statewide, Clean Energy Credit Union’s e-bike loan is open to anyone.
Can I use an Oregon credit union if I live in Washington?
Sometimes. Unitus Community Credit Union and Providence Credit Union both include SW Washington counties (like Clark and Skamania) in their field of membership, so border residents may qualify.
How does the Washington rebate affect a loan?
A rebate comes off the price before you borrow, so it lowers what you’d finance and the interest on it. Washington’s WE-Bike rebate is worth up to $1,200, but it’s a monthly drawing, not first-come — see our Washington rebate guide.
Are there national credit unions a Washingtonian can join?
Yes. PenFed (from 6.09%), First Tech, Alliant and Connexus all let anyone in the US join, often through a small one-time donation, so you’re not limited to local credit unions.
Looking beyond Washington? See every credit-union bike loan we can verify, or compare all the ways to finance a bike.