JavaScript must be turned on in order for this site to display properly.
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 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 3.75% $29.41
Up to 48 Months 4.00% $22.58
Up to 60 Months 4.50% $18.64

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 7.60% $31.15
Up to 48 Months 7.85% $24.34
Up to 60 months 8.10% $20.32

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 185.
Rated 5 out of 5 by from Great Deal As usual, just a good place to do your banking. They treat you well and offer great services.
Date published: 2018-06-18
Rated 5 out of 5 by from Quick and easy application. Fast response I've been with DCU for 20+ years and have always had a good experience with their services.
Date published: 2018-06-04
Rated 5 out of 5 by from Smooth and Easy The people I dealt with at DCU knew everything I had to do as far as the paperwork in purchasing my motorcycle. Their rate is good and service was excellent!!
Date published: 2018-04-16
Rated 5 out of 5 by from It's always easy to deal with you guys no matter what the need. There's a reason our car, camper, motorcycle, mortgage loans are with you guys and that's because of the great rates and service. I sure miss DEC though. :^)
Date published: 2018-04-14
Rated 5 out of 5 by from New H-D in minutes The process from the first conversation with the people at the Franklin Branch was an effortless process from beginning to end. I highly recommend DCU to anyone looking for financial products.
Date published: 2018-04-06
Rated 5 out of 5 by from Total experience wa great and I got my loan at a very reasonable amount of time DCU has great products which I may use them in future
Date published: 2018-03-24
Rated 5 out of 5 by from Best Rates! Could not get a check in hand faster! I have been banking with DCU for four years now I have taken out several automotive launch a couple motorcycle loans credit cards etc. and have referred many people do you see you never watch me now thank you again !
Date published: 2018-02-24
Rated 5 out of 5 by from Was fast and easy The product has everything I’m looking for. The only issue I have is trying to talk to someone who speaks poor English. It’s a waste of everyone’s time and makes me not want to call back.
Date published: 2018-02-17
  • y_2018, m_6, d_20, h_18
  • bvseo_bulk, prod_bvrr, vn_bulk_2.0.8
  • cp_1, bvpage1
  • co_hasreviews, tv_0, tr_185
  • loc_en_US, sid_5-4, prod, sort_[SortEntry(order=RATING, direction=DESCENDING), SortEntry(order=SUBMISSION_TIME, direction=DESCENDING), SortEntry(order=FEATURED, direction=DESCENDING)]
  • clientName_digitalfederalcreditunion

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

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
  • y_2018, m_6, d_20, h_18CST
  • bvseo_bulk, prod_bvqa, vn_bulk_2.0.8
  • cp_1, bvpage1
  • co_hasquestionsanswers, tq_17
  • loc_en_US, sid_5-4, prod, sort_[SortEntry(order=LOCALE, direction=DESCENDING), SortEntry(order=FEATURED, direction=DESCENDING), SortEntry(order=NUM_ANSWERS, direction=DESCENDING)]
  • clientName_digitalfederalcreditunion

"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.