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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.

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 120% 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 173.
Rated 5 out of 5 by from Great Rates I am very happy with the service I have received from DCU on all of my recent refies on my vehicles.
Date published: 2017-11-25
Rated 5 out of 5 by from Easiest Auto Loan proces The process was extremely easy and fast. Am I very satisfied with the rates I got as well the service.
Date published: 2017-10-28
Rated 5 out of 5 by from Very simple and fast service. I was able to apply through online banking, had an answer in 10 minutes. Brought paper work to a branch of my choice to get a check right then and there.
Date published: 2017-10-07
Rated 5 out of 5 by from Easy process Fast approval.loans are fast but others are slow..
Date published: 2017-10-07
Rated 5 out of 5 by from Outstanding!!! Best bank ever!! Process was painless, representatives were exceptional and the next day delivery of the check got me on two wheels Faster than I thought possible. Not to mention the incredibly low interest rate. Again. Best. Bank. Ever.
Date published: 2017-09-30
Rated 5 out of 5 by from Easiest loan I've ever had What an awesome experience I had with this bank and their customer service. Never ever had I had an easier transaction nor experience with any of loan company including my own bank. Thank you DCU!!!
Date published: 2017-09-19
Rated 5 out of 5 by from Refi made Simple I love this bank and everything they do, this is my 3rd vehicle that I have refinanced with DCU, one car and two motorcycles, in both instances they were able to reduce my payment, reduce my term so its paid off faster and save so much interest. I love the reduced point feature which reduces my interest rate, and I recall if you maintain on time payments there may be an option to reduce your rate even more. refi is easy and painless, and worth every penny
Date published: 2017-09-18
Rated 5 out of 5 by from Used motorcycle loan Best rates and secured loan. Best rates by far and very fast service.
Date published: 2017-09-09
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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: 2017-11-25

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