Over at SF Appeal, Jackson West has word that Mission SF Federal Credit Union offers bike loans to those in dire need to two wheels. "They'll loan up to $2,500, which could buy you quite the performance machine, but $800 is enough to get you a basic single-speed from the folks at Mission Bicycle Company and quite a bit of ride nearby at Valencia Cyclery," West explains. "And $93 a month isn't that much more than the full-rate Fast Pass from Muni, frankly." Hear, hear. The only catch is that you must live in specific neighborhoods to take advantage: opening an account is available to those living in Mission, Excelsior and Bayview neighborhoods.