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

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 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.


Motorcycle Loans is rated 4.7 out of 5 by 153.
Rated 5 out of 5 by from Feel Like Your Working With A Friend My 5th loan since joining DCU and the entire experience is always a seamless and efficient pleasure. Always feel like they care and are doing the best to get me a great rate and terms.
Date published: 2017-05-06
Rated 5 out of 5 by from Best rates, easy electronic signing, super fast process Best rates, easy electronic signing, super fast process
Date published: 2017-04-25
Rated 5 out of 5 by from Easy loan process DCU made getting a loan easy. I highly recommend going with DCU.
Date published: 2017-04-15
Rated 5 out of 5 by from Motorcycle loans DCU have the greatest finance rate for medium to low credit score people
Date published: 2017-04-04
Rated 5 out of 5 by from Harley Davidson motorcycle try glide Irefinanced my Harley Davidson Triglide it is a very good product I would recommend this product to motorcycle riders
Date published: 2017-03-12
Rated 5 out of 5 by from great credit union Great credit union with unbeatable rates. I always recommend to family and friends.
Date published: 2017-03-11
Rated 5 out of 5 by from Fast and trouble free After checking with pretty much every other financial institution I found the best service, rate, and overall benefits with DCU in a process that came to be pretty much trouble and worry free. I am bringing all my banking activity here!
Date published: 2017-03-06
Rated 5 out of 5 by from This is a no brainer people. Get your bike loan here. DCU has the best loan rates for excellent credit scores. The loan application process was super quick and easy. I chose to finalize my loan at a branch and pick up the check same day, but it's just as easy to do the whole thing online. The loan representative even walked me through setting up my online account manager access. It took five minutes and my automatic loan payments were setup. They've done this before. Say goodbye to the corporate banking giants where you're just a number and get yourself some personalized service at DCU. Great rates, great customer service, and now I have my dream bike too!
Date published: 2017-03-04
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How long can a motorcyle loan be for?

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

How long does it usually take to process a loan application

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

can my payment be automactic withdrawl with no fee

Asked by: Anonymous
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.
Answered by: Anonymous
Date published: 2014-09-27

What is the oldest motorcycle the bank will give a used bike loan for?

Asked by: Anonymous
We will generally offer loans for Motorcycles that are no more then 10 years old. We may be able to approve a loan for a Motorcyle that is over 10 years old however this is based on a case by case situation and we recommend that you apply to determine your eligiblity.
Answered by: Anonymous
Date published: 2015-01-10

Price bracket for motorcycle loan?

What's the lowest amount you can take out for a loan on a motorcycle? Used or new.
Asked by: Anonymous
We do not have a minimum amount we will offering for financing a Motorcycle. Qualified borrowers can finance up to 100% of NADA retail book value or 100% of the purchase price – whichever is less.
Answered by: Anonymous
Date published: 2016-09-17
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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.