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 142.
Rated 5 out of 5 by from Loan Dcu is great. Always excellent service and great loan rates. Thanks Dcu
Date published: 2017-01-08
Rated 5 out of 5 by from would highly recommend Just refinanced my car and motorcycle everything went smoothly Amalia was great
Date published: 2016-12-17
Rated 5 out of 5 by from Motorcycle loan Easy Peasy DCU trust their customers. I received a very quick loan approval and the loan documentation procedure very easy and straight forward, (copy of Purchase Agreement). Just a phone call and I got the check for the dealer and I FEDEXed overnight. That is it. This is about the 4th loan I have had with DCU and they have the process down easy.
Date published: 2016-12-17
Rated 5 out of 5 by from I live in Arizona and can still use DCU for my needs. It is very easy to still use DCU from here in Arizona
Date published: 2016-10-22
Rated 5 out of 5 by from Ecellent I applied online and then spoke with a DCU associate, next thing I have my check and my new bike.
Date published: 2016-10-08
Rated 5 out of 5 by from Always DCU Our family has been using DCU for all our Financial needs for over 20 years to include all our vehicle loans. This is our 2nd Motorcycle loan and for the most part all went smooth. The follow-up work and communication, after the loan was approved, was a little short this time but overall can't ask for better support from a Credit Union like DCU.
Date published: 2016-10-04
Rated 5 out of 5 by from DCU has always provided the best service to me over any other bank I have worked with Exceptional, great rates, fastest turn around and very easy to work with... Very Professional Staff
Date published: 2016-08-08
Rated 5 out of 5 by from 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☘
Date published: 2016-07-23
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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.