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What Can DCU Save You?

Motorcycle Loans

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

  • Features
  • Details
  • Rates
  • Reviews
  • Apply Now
  • Resources


New or Used Motorcycle Loan Benefits

  • New or used street and off-road motorcycles
  • Great rates and affordable payments
  • Borrow up to 120% of price
  • Finance up to 60 months
  • For purchase or refinancing
  • Save with Relationship benefits and electronic payment

Please refer to Details and Rates tabs for additional information and important disclosures.

"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 120% of Price – Qualified borrowers can finance up to 120% of NADA retail book value or 120% of the purchase price – whichever is less, PLUS DCU GAP and DCU Warranty. DCU will only finance over 100% when it's DCU's GAP and Warranty, not dealer add-ons.
  • 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 120% 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 120% 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.

Motorcycle Loans is rated 4.7 out of 5 by 166.
Rated 5 out of 5 by from Refi made Simple I love this bank and everything they do, this is my 3rd vehicle that I have refinanced with DCU, one car and two motorcycles, in both instances they were able to reduce my payment, reduce my term so its paid off faster and save so much interest. I love the reduced point feature which reduces my interest rate, and I recall if you maintain on time payments there may be an option to reduce your rate even more. refi is easy and painless, and worth every penny
Date published: 2017-09-18
Rated 5 out of 5 by from Used motorcycle loan Best rates and secured loan. Best rates by far and very fast service.
Date published: 2017-09-09
Rated 5 out of 5 by from Very good experience DCU processing time is very less and they have minimum formalities involved.
Date published: 2017-08-19
Rated 5 out of 5 by from Great interest rates They are Very easy people to work with and very friendly.
Date published: 2017-07-29
Rated 5 out of 5 by from Great rate for members A long time member ~ 30 years. Applied on-line, easy and thorough process. Great rate with 0.5% reduction for relationship benefits. My loan was approved and check issued the next day. Check sent overnight with no fee. How easy can it get?
Date published: 2017-07-23
Rated 5 out of 5 by from Super easy! Everyone I'd worked with at DCU made everything extremely simple and made sure I understood everything about the process. The check also made it out to me within 12 hours of calling.
Date published: 2017-07-15
Rated 5 out of 5 by from Quick and painless Decided to take advantage of a pre approved Motorcycle Loan. Made the initial application call on my way to the dealership, was approved. Picked out my bike. Brought the intent to purchase form to the Manchester NH location. After 15 mins of discussing payment options, I had a check to bring back to the dealership. All of my questions where answered quickly and thoroughly.
Date published: 2017-07-08
Rated 5 out of 5 by from Quick, easy, and quality service I only get loans through DCU! I always get a good rate and fast/Quality customer service.
Date published: 2017-06-25
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How long can a motorcyle loan be for?

Asked by: JPL
3 or 4 years.
Answered by: Rob
Date published: 2013-10-23

How long does it usually take to process a loan application

Asked by: Twistedtrucking
2 weeks
Answered by: Bisharkha
Date published: 2014-11-29

Would i be able to purchase a used motorcycle with this loan?

Asked by: singh
Purchased a 2013 HD Street Glide this week. I believe it's not the age, so much as the equity. The vehicle needs to have value today, and during the life of the financing.
Answered by: OneHappyMember
Date published: 2017-09-09

Are there any restrictions pertaining to the age(year of manufacturing) of the motorcycle ?

Will DCU fund for motorcycles which are more than 10 years old?
Asked by: Ooden2015
Not sure, I know my bike was a 2000 Harley Davidson and 17 years old.
Answered by: Rharley65
Date published: 2017-08-05

Am I allowed to purchase a motorcycle through a private party?

Can i use the loan to purchase a motorcycle from a person instead of a dealership?
Asked by: Durells92
Yes, DCU made it easy, they have you fill out and sign and Intent To Sell Form with the seller and make the check out directly to the seller.
Answered by: Rharley65
Date published: 2017-08-05
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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.