Access Bikes

Access Bikes helps people in Scotland who want to buy a bike but can’t pay the cost upfront

Cycling UK has teamed up with credit unions to offer interest free loans to people on lower incomes, helping them to spread the cost of buying a bike.

We know that not everyone who wants to cycle can afford to pay for a bike upfront. This scheme, which is funded by the Scottish Government, offers a safe and affordable way for people to buy an adult bike and start cycling.

Participants can also access tailored support from Cycling UK including help choosing the right bike, cycle training or confidence building sessions and support to access local cycle groups.

How does Access Bikes work?

Access Bikes works in partnership with Capital and Scotwest credit unions to provide individual 0% loans to people who are unable to afford the costs of a cycle upfront or who are not eligible for other cycle purchase schemes such as Cycle to Work.

No upfront payment is required and the loan will be repaid in manageable instalments with no interest.

Loans will be assessed on a case-by-case basis and subject to the affordability criteria and application process set by the credit union.

There are a limited number of loans available so check if you’re eligible today!

Ready to get started?

Complete our expression of interest form and we'll get the ball rolling with your application. 

Who is eligible?

Anyone who is over 18 and is eligible to become a member of Capital or Scotwest credit unions. We estimate this is over 80% of the population of Scotland, so there’s a great chance you will be eligible. Each credit union has specific membership criteria, including:

  • People who live or work in the geographical area covered by the two credit unions, which includes 21 local authorities in Scotland.
  • People who work for a partner employer of one of the credit unions. This includes 186 employers from large national organisations like the Scottish Government, Scottish Water and Amey to local charities and small businesses.
  • Young Scot Card holders
  • Members of Community trade union

Check the full membership criteria for Capital Credit Union and Scotwest Credit Union.

You can find out more about eligibility and how to apply in our FAQs.