Motorcycle Loans
Get on the road with competitive motorcycle loan rates designed for riders like you.
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Fast financing with competitive rates lets you hit the road sooner.
Whether you're eyeing a new sport bike or a used cruiser, F&A Credit Union makes motorcycle financing accessible and affordable. Our low-interest motorcycle loans put bike ownership within reach, with flexible terms, no fees, and a dedicated Customer Service team. Time to hit the open road.
At a glance
- Same rates for new or used motorcycles
- Flexible terms up to 60 months
Apply now via Digital Banking, by calling our Member Contact Center, or in person at one of our branch locations.
Loan details
- 0.50% rate reduction for payments made by automatic transfer or payroll deduction
- No prepayment penalty
- Must buy and title the motorcycle in the state in which the purchaser lives
Motorcycle Loans
Finance your new or used motorcycle to start your adventure.
APR{{moto_apr}} range
6.90% to 14.90%
Term range
Up to 60 mo.
Maximum loan (new)
$45,000.00
Maximum financing (new)
80% of MSRP
Maximum loan (used)
$30,000.00
Maximum financing (used)
80% of used average from NADA
Maximum vehicle age{{moto_max_age}}
5 years
Prepayment penalty
None
Insurance requirements
Motorcycle-specific insurance meeting state requirements
| FICO{{fico}} Score Range | APR{{rv_boat_moto_apr}} |
|---|---|
| 720 and above | 6.90% |
| 680 to 719 | 8.90% |
| 679 to 620 | 11.90% |
| 619 or less | 14.90% |
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FAQs
Where can I purchase a motorcycle from?
F&A will extend a motorcycle loan to finance a new or used motorcycle from a dealership or private party (restrictions apply). The motorcycle cannot be more than 5 years old, including the current model year.
Do I need special insurance for a motorcycle loan?
Yes, you'll need to provide proof of motorcycle-specific insurance that meets state requirements and F&A standards. For more information, please contact our Member Contact Center at (800) 222-1226.
What are the loan terms on a motorcycle?
Motorcycle loans are typically for shorter terms than auto loans. F&A Motorcycle Loans are available for terms up to 60 months.
Explore More
Auto Loans
Finance a new or used car or truck up to 125% loan to value with a low-interest F&A auto loan.
APR{{auto_apr}} as low as
4.60%
Maximum term
84 mo.
Maximum loan
$150,000.00
Maximum vehicle age{{auto_max_age}}
12 years
Personal Loans
Access this flexible option for any of life’s surprises or as a way to consolidate higher-interest debt.
FICO{{fico}} Score Range
APR{{all_personal_apr}}
FICO 720 and above
7.90%
FICO 680 to 719
9.90%
FICO 620 to 679
13.90%
FICO 619 or less
16.90%
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