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Motorcycle Loans

Finance or refinance your street or off-road bikes

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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

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.

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 186.
Rated 5 out of 5 by from Great customer service Great customer service excellent. I spoke to a teller and he says you got to check in.
Date published: 2018-06-30
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
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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

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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Easy Ways To Apply Today

  1. Apply Online
  2. By Phone
    Call 508.263.6700 and press 3
  3. Any DCU Branch