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Financing and Layaway

Financing

Bike Gallery offers 6 months no interest financing through Trek Card which may be used to purchase any bike, part or accessory in our store. This card is accepted at over 1,200 authorized Trek dealers nationwide, including Bike Gallery. You can apply in person at any Bike Gallery location or use the easy online application link below. All you need to apply is your social security number, a valid state driver’s license, and a major credit card. If you qualify, you will be instantly issued a new Trek Credit Card account number, and a maximum credit line of up to $3,000.* Visit us and present your account number along with a valid form of identification and take home the ride of your dreams. Please see a Bike Gallery sales associate for more details.

Cardholder benefits:

  • No interest, with minimum payments for up to 6 months
  • No annual fee
  • Manage your account online. Go green and enroll in paperless statements.

* Maximum online credit limit is $3,000. Higher credit limit will be considered during in-store purchase process.

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* Maximum online credit limit is $3000. Higher credit limit will be considered during in-store purchase process.

The fine print: No Interest if paid in full within 6 months. When you use your Trek credit card account, Interest will be charged to your account from the date of purchase if the purchase balance is not paid in full by 6 months from date of purchase or if you fail to make any payment when due. Payments are required during the promotional period (as described in your credit card agreement). After the promotional period, the APR will be a variable rate, as of January 1, 2010, that APR is 24.99%, minimum monthly Finance Charge of $1.00.

Layaway

The Bike Gallery offers 90-day layaway for bike purchases to help you save for your dream ride. Layaway requires a minimum down payment of 25% of the cost of the bike, to be paid in full within 90 days. Layaways on bicycles valued over $1,000 are subject to management approval. A non-refundable deposit will be applied if a layaway is cancelled by the customer after the first 30 days:

Bicycles under $500.00 — a $50.00 non-refundable deposit will be applied
Bicycles $500.00 and more — 10% non-refundable deposit will be applied