What Can DCU Save You?

Motorcycle Loans

Finance or refinance your new or used street or off-road bikes




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motorcycle

New or Used Motorcycle Loan Benefits

  • New or used street and off-road motorcycles
  • Great rates and affordable payments
  • Borrow up to 100% of price
  • Finance up to 60 months
  • For purchase or refinancing
  • Save with Relationship benefits and electronic payment

"Best Everything!"

Open quote DCU is by far the best rate for motorcycles, and now I am a proud member, and will be re financing my car through them too. Thank you very much for the great service. I'm on the West Coast and telling everyone about you.  Close quote

—InspireDestiny, Long Beach, CA

New and Used Motorcycle Loan Details

  • New or used motorcycles at the same low rates – Motorcycle dealers and most institutions often charge you more for used – some 20% or more.
  • Buy or refinance – Borrow to buy your next bike or refinance the one you drive.
  • Great rates and affordable payments – Finance up to 60 months. The longer the loan term, the lower your monthly payment.
  • Borrow up to 100% of price – Qualified borrowers can finance up to 100% of NADA retail book value or 100% of the purchase price – whichever is less.
  • Save with Relationship benefits and electronic payment – Save on rates when you qualify for Relationship benefits on your DCU Checking Account and make payments electronically (payment by transfer in Online Banking, Mobile Banking, Easy Touch Telephone Teller, DCU ATM, or internal DCU automatic transfers. Add 0.50% to rate for other payment methods).

Street Motorcycle Loan Rates*

For New or Used Street Motorcycles
Qualified borrowers can finance up to 100% of NADA retail book value or 100% of the purchase price, whichever is less.
Terms / Features Our Best Rates*
  Annual Percentage Rate Estimated Monthly Payment
Per $1,000
Up to 36 Months 3.25% $29.19
Up to 48 Months 3.50% $22.36
Up to 60 Months 4.00% $18.42

Rates are effective .

* Rates are determined by your personal credit history, account relationship, and payment method.

Off-Road Motorcycle Loan Rates*

For New or Used Off-road Motorcycles
Qualified borrowers can finance up to 100% of NADA retail book value or 100% of the purchase price, whichever is less.
Terms / Features Our Best Rates*
  Annual Percentage Rate Estimated Monthly Payment
per $1,000
Up to 36 Months 7.10% $30.92
Up to 48 Months 7.35% $24.11
Up to 60 months 7.60% $20.09

Rates are effective .

*Rates are determined by your personal credit history, account relationship, and payment method.


Rated 4.7 out of 5 by 132 reviewers.
Rated 5 out of 5 by Best rates for both Motor Cycle Loan, and, DCU insurance! Received the best, kindest, and personalized service from the staff in Fitchburg, and including the Manager Kim; and Marlbourgh where the loan was consumated; and also, DCU Insurance representative Mona, the best! Thank you☘ July 23, 2016
Rated 5 out of 5 by DCU - The Best! Good communication, fast action, best rates and you can always trust DCU! July 16, 2016
Rated 5 out of 5 by Dcu is always excellent! Everyone I've ever worked with at DCU has been nothing short of fantastic, and this experience was no different. The customer service professionals are always stupendous, and the branch workers are the same. July 2, 2016
Rated 5 out of 5 by motorcycle loan dcu is the best company to deal with. Always quick and simple with great rates, ive been declined everywhere else for all types of loans an dcu always pulls through, i wouldnt finance or get a loan from anywhere else June 18, 2016
Rated 5 out of 5 by Awesome experience Anyone unfortable w walking I to a bank will be totally surprised at how d u makes its customers feel.all fears of banking w melt away. A great bank that changes how people feel about banking in general June 18, 2016
Rated 5 out of 5 by Quick, no hassle approvals and a very competitive rate I have been a DCU member for years and have had all my auto loans only from them over the years. The time came to buy my first motorcycle and they were the natural choice. This rates are as good as anyone else and the process is simple and smooth. Always love DCU! June 4, 2016
Rated 5 out of 5 by Always an amazing experience I've been a member for 13+ years and every time i need any services from DCU i m always amazed by the supreme services and quality of all products that they offer. Can't emphasize how much i am happy with another loan to buy my new bike for the summer. May 30, 2016
Rated 5 out of 5 by Motorcycle loan I just love DCU they above customer service and your treated like family when you walk threw that door. May 14, 2016
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(13 Questions : 21 Answers)

Product Q&A

Ask your questions. Share your answers.

 
 
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State: North Carolina
Age: 18-24
DCU Member for: Haven't joined yet
4 years, 11 months ago
Member avatar
by
JPL
Worcester
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Answer: 
3 or 4 years.
State: Massachusetts
Age: 45-54
DCU Member for: Haven't joined yet
3 years, 3 months ago
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by
Rob
Barre
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Answer: 
Up to 60 months
State: Connecticut
Age: 18-24
DCU Member for: 1 to 4 years
3 years, 4 months ago
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by
Orlando
Hartford
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Answer: 
Borrow for up to 60 months for street bikes, 36 months for off-road – Generally, choosing a longer term will lower your monthly payment. Choosing a shorter term will reduce your interest rate and the total cost of your loan. The maximum length of time depends on the vehicle and your budget.
State: New Hampshire
Age: 25-34
DCU Member for: 5 to 10 years
4 years, 9 months ago
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by
double-a-ron
Manchester
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Answer: 
My motorcycle loan was for 5 years. I believe you can do 3,5,or 7. I've had 2 motorcycle loans with DCU and I assure you they can work something out with you.
State: Massachusetts
Age: 25-34
DCU Member for: 5 to 10 years
4 years, 9 months ago
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by
JamesB24
leominster
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Answer: 
I think my note was for 4 years, not sure, maybe 5. I will reccomend DCU . At some point you can refinance the bike to a lower rate if you want. Its called trade your loan not your car. I did it with my bike a couple of years into the payments, it worked out good.
Once you join DCU you will see that these people are great. You ever call with a question or concern they will take care of it.
State: Massachusetts
Age: 55-65
DCU Member for: 5 to 10 years
4 years, 9 months ago
Member avatar
by
Harley jr
Brant Rock
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Answer: 
The maximum term for a motorcycle loan is 60 months.
State: Massachusetts
4 years, 10 months ago
Member avatar
by
DCU Staff
Marlborough
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State: Massachusetts
Age: 35-44
DCU Member for: Haven't joined yet
 
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2 years ago
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by
Twistedtrucking
Marlborough
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Answer: 
2 weeks
State: Texas
Age: 35-44
DCU Member for: Less than 1 year
1 year, 9 months ago
Member avatar
by
Bisharkha
Austin
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Answer: 
I did my first loan application online and then went down to an actual branch. My loan was approved very quickly.
State: New Hampshire
Age: 35-44
DCU Member for: 10 to 20 years
1 year, 11 months ago
Member avatar
by
Jamie76
Derry
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Answer: 
Processing depends on several factors. For pre-approval, you would know within 2 business days or less. For the loan funding, it depends on your follow-up to provide the documentation required. If you provide everything upon approval and follow-up by phone or in person at a Branch, funding can be completed the same day.
State: Massachusetts
2 years ago
Member avatar
by
DCU Staff
Marlborough
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State: Georgia
Age: 35-44
DCU Member for: Haven't joined yet
2 years, 3 months ago
Member avatar
by
bulldog
Trion
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Answer: 
My loan payments are set up to come out of my checking account weekly. This way I am never late on a payment and over time you actually pay less interest over the life of the loan also you pay off your loan earlier.
State: New Hampshire
Age: 35-44
DCU Member for: 10 to 20 years
1 year, 11 months ago
Member avatar
by
Jamie76
Derry
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Answer: 
Yes, DCU loan payments may be set up for automatic transfer either from your DCU Savings or Checking or from an external bank account for free. There is a form available on our web site for each and they can be located by entering either of the following terms into the search box in the upper right side: Loan Payment Method Authorization -or- Pre-Authorized Recurring Transfers.
State: Massachusetts
2 years, 3 months ago
Member avatar
by
DCU Staff
Marlborough
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State: New Hampshire
Age: 18-24
DCU Member for: 10 to 20 years
3 years ago
Member avatar
by
eric
merrimack
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Answer: 
You would want to apply first for the loan. After your application is reviewed by our Consumer Loans Department, they will let you know any conditions that need to be met prior to the loan check being issued.
State: Massachusetts
 
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3 years ago
Member avatar
by
DCU Staff
Marlborough
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Trying to purchase 2010 Harley Davidson FLHTCUSES-BLK from individual
State: Tennessee
Age: 55-65
DCU Member for: Haven't joined yet
2 years, 4 months ago
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by
Grubby
Knoxsville
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Answer: 
You will want to apply to determine your eligibility. All applications are reviewed on an individual basis.
State: Massachusetts
 
Products related to my answer
 
2 years, 4 months ago
Member avatar
by
DCU Staff
Marlborough
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"Fast and Efficient Service"

Open quote Refinanced a new motorcycle loan in about 1/2 hour and saved about $800 in interest in the process. Very helpful and knowledgeable loan officer. Couldn't be happier! Close quote

—OldTimer, Nashua, NH

Easy Ways To Apply For A New or Used Motorcycle Loan

  1. Apply Online – 24 hours a day, 7 days a week.
  2. Apply by phone – 24 hours a day, 7 days a week call 800.328.8797 or 508.263.6700 and press 3.
  3. Any DCU Branch – Visit your local branch.

"No Hassle, Quick and Great Service"

Open quote Would definitely recommend DCU to my family and friends who are looking for any type of loan for motorcycle or other vehicle. Your staff is the best. Thank you for your no hassle handling of this transaction. Close quote

— mrsdew4,Windam, NH

Motorcycle Loan Resources

  • Are You Already Approved? – Login to Online Banking and check your Account Manager inbox for a message. If you are, you can accept your approved loan online.
  • Auto Loan Check – Check provided for pre-approved auto loan. Makes shopping and purchasing a vehicle quick and easy.
  • NADA Vehicle Price Guide – Get prices on new and used vehicles to help in negotiating the sale or purchase of a vehicle.
  • Loan Payment Method Authorization (.pdf format) – Use to have DCU set up electronic loan payments by transfer from your DCU savings or checking account. Note: you can set this up on your own with Internet Online Banking Automatic Transfers.
  • Payment Protection – Helps relieve the pressure of your loan payments during certain unexpected events.
  • DCU Motorcycle Insurance – You can count on us for good service, good value, and expert help in choosing the best auto insurance solution for you and your family.
  • Intent to Sell Form – Provide to DCU if you are buying a motorcycle through a private sale.

Motorcycle Loan Related Links

  • Loan Calculator – Use these calculators to determine an approximate loan payment based on the loan amount (loan cash), term, and credit history standing. This helps you see if a loan will fit within your budget.
  • StreetWise Available Cash Calculator – Learn the most you should pay for your next vehicle and the amount of cash your desired loan payment will get you.
  • StreetWise Auto Buyers Guide – Use this guide to help ensure you negotiate the best deal before purchasing your next vehicle.
  • StreetWise Guide to CreditStreetWise guide helps you understand how credit works, how to use it responsibly, how to know if you are having difficulty with it, and what to do if you are.
  • Skip a Payment (.pdf format) – You have the option to skip a loan payment without impacting your credit rating.
  • Calculate Finance Charges – Sometime members have questions about how Finance Charges or Interest on their DCU loan accounts are calculated. This information is designed to make the information in your loan disclosures a little easier to understand.
  • Schedule of Fees and Service Charges – Details regarding member benefits that may help you avoid fees.
  • Financial Wellness and Recovery – Learn what DCU can do for you if you are now or think you may soon experience a financial setback. The earlier you contact us, the more we can do to help.
Digital Federal Credit Union

220 Donald Lynch Boulevard

PO Box 9130

Marlborough, MA 01752-9130

508.263.6700  |  800.328.8797

ABA Routing Number: 211391825

    

Federally Insured by NCUA

Equal Housing Opportunity

NMLS#: 198524

© 2016 Digital Federal Credit Union