Spoked to Death
Join Date: Jul 2004
Location: Boulder, CO
Bikes: Salsa La Cruz w/ Alfine Internal 8-speed, Scattante Ultegra roadie, Maserati fixie conversion
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A few possibilities... Check to see if the chain is too tight, give it a wiggle, it should move about half and inch up and down, but not much more or less. Also, make sure the chainline is good, it should be a perfectly straight shot from chainring to cog (though I doubt that would be a problem on a new bike).
Also, what brand is the rear hub? Does it have a little 'nipple' on it with a cap that opens? If so, it is an oil bath hub, and needs to be lubricated with some mid-weight motor oil squeeze into that hole. Some hubs are oil bath, and others aren't.. I'm not so sure about the new ones.
Finally, sometimes the cheaper three speeds are just a bit louder by nature. If the above things look good, I wouldn't worry about it. If it really bothers you, take it to the shop you bought it from and ask them, they should know for sure.