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Personal and Business Banking

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 Plus and 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 Plus and Relationship benefits and electronic payment – Save on rates when you qualify for Plus and 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.
Our Best Rates*
Terms / Features Annual Percentage Rate Estimated Monthly Payment
Per $1,000
Up to 36 Months 4.25% $29.64
Up to 48 Months 4.50% $22.80
Up to 60 Months 5.00% $18.87

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.
Our Best Rates*
Terms / Features Annual Percentage Rate Estimated Monthly Payment
per $1,000
Up to 36 Months 8.60% $31.61
Up to 48 Months 8.85% $24.81
Up to 60 months 9.10% $20.81

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 204.
Rated 5 out of 5 by from It was so easy getting a motorcycle loan at DCU! The loan officer was warm and welcoming and made the loan process so easy. We got a decent rate on our motorcycle loan and were in and out of the bank in about an hour, with a check in hand to go right to the dealership and get our new bike. The process was seamless and much more pleasant than I have ever experienced while getting a loan. I highly recommend DCU for any one looking to finance a motorcycle. Great people to work with!
Date published: 2019-08-13
Rated 5 out of 5 by from Quick and easy Tyanna is the best. She’s kind and very knowledgeable and very friendly.
Date published: 2019-08-10
Rated 5 out of 5 by from Fast & Simple I refinanced my motorcycle with DCU because I was in need of some money fast. I called and had completed the entire process in 20 minutes and the money was in my account later that day. All my questions were answered while I was on the phone, and even if the gentleman didn't know the answer, he found out in a few minutes while I stayed on the line. It was very simple to sign the docs electronically and upload the title. Love DCU, their E-Banking products, and their phenomenal customer service!! I had the same experience for my car and mortgage loan with DCU and recommend them to all of my friends and family!
Date published: 2019-07-08
Rated 5 out of 5 by from Amazing Bank I was able to get my first motorcycle with no problems but . Great service and staffs. Damaris is good at was she does and explains everything!
Date published: 2019-05-11
Rated 5 out of 5 by from Wonderful agents to work with. It was a great experience. Very knowledgeable and friendly to work with. Made the experience much less stressful.
Date published: 2019-04-27
Rated 5 out of 5 by from U excellent Helpful, patient, kind, nice, stupid survey. More characters
Date published: 2019-04-06
Rated 5 out of 5 by from Very happy Was interesting, easy and professional. Loan officer was very helpful and explained all.
Date published: 2019-03-23
Rated 5 out of 5 by from The absolute best credit union I’ve ever had Very simple procedure for a long time member most comforting customer service reps and bank tellers make every process and loan the simplest thank you so much recommend you to everybody
Date published: 2019-02-24
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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
It took DCU about 10 minutes to process my loan application and get me approved. I am a current member of DCU and would HIGHLY RECOMMEND there services to anyone.
Answered by: Bill P
Date published: 2018-01-27

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

Can you purchase a motorcycle through private sale (not a dealer) with this loan?

Looking to purchase a motorcycle through private sale, would this loan cover that?
Asked by: MD
Yes you may purchase a Motorcycle through a private sale using a DCU Motorcycle Loan.
Answered by: DCU Staff
Date published: 2018-11-10

If purchasing from a motorcycle from a dealership, what tag or form do I need to send to DCU before I can receive the funds in my account?

I know that if purchasing from a private seller, you need to use the Intent to Sell form. But what if you're buying from a dealer?
Asked by: EC
Purchase and sales agreement.
Answered by: MB
Date published: 2018-10-13
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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.
  • How to Make Your Loan Payment – We make it easy to make your loan payment. Find out more about our convenient payment options.
  • 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.