Motorcycle Loans

Get motorcycle financing for your next ride

Gear up for excitement with a motorcycle loan

Our team of loan professionals—backed by more than 10 years of motorcycle financing experience—will help you get the bike you've always wanted. We'll guide you through the motorcycle loan process seamlessly, help you secure a competitive interest rate and have you on the road to making your dream ride a reality.

Experience counts

Our team's knowledge is fueled by more than a decade of motorcycle lending experience.

Low minimum

Bike loans start at $2,500, and you can borrow up to 80% of the purchase price or appraised value.

Flexible terms

Loans can be financed up to 5 years for new motorcycles and up to 3 years for used bikes.

Ask us about motorcycle financing today
Promotional Rate

We'll help you finance your next ride with an affordable motorcycle loan

Rates as low as
6.69% APRD

Motorcycle Loan Benefits

Get financing for your next ride

Whether you're a motorcycle enthusiast or a first-timer, we're ready to help you get the loan you need for the bike you want.

  • Pay for new and used motorcycles, ATVs or any specialty vehicles
  • Borrow up to 80% of the purchase price—or appraised value, if used
  • Get access to competitive fixed motorcycle loan rates and a set monthly payment
  • Funding options include dealerships, private sellers and motorcycle refinancing
  • Secure your financing and motorcycle insurance in the same transaction

How to get started

Want to apply for a motorcycle loan? Our expert lending team is here to guide you through the process and assist you every step of the way.

Step 1

Shop around for a motorcycle

The first step toward getting a motorcycle loan is finding a motorcycle, ATV or any specialty vehicle to buy. It could be new from a dealership or pre-owned from a private seller. Shopping around will help you find the best deal.

Step 2

Apply for a motorcycle loan

Contact us or visit a local branch to apply for a motorcycle loan. One of our friendly loan experts will gather information about you and the vehicle you'd like to purchase. Feel free to ask any questions throughout the process—we're here to help.

Step 3

Close your loan to receive your funds

Lastly, you'll sign closing documents to finalize your motorcycle loan. After closing, you'll receive your funds, which could arrive in as little as 24 hours. Then you can return to the seller to buy and enjoy your new motorcycle.

Use our motorcycle loan calculator to estimate your monthly payment

Motorcycle Loans FAQ
People often ask us

A motorcycle loan is perfect for financing your dream bike, ATV or specialized vehicle. It not only covers the purchase but also takes care of additional expenses, such as gear and repairs. By opting for motorcycle financing, you can conveniently make payments over time and hit the open road with peace of mind.

To get a motorcycle loan, select a motorcycle you want to purchase from a dealer or a private seller. Contact us or visit a local branch to apply for the loan, and they'll assist you and address any questions. Complete the necessary paperwork, and the lender will provide the loan funds—usually within 24 hours after closing— for you to purchase and start enjoying your new ride.

New motorcycles can be financed for up to 36, 48 or 60 months based on price range. Used motorcycles have a maximum financing term of 36 months.

Yes. A home equity loan and home equity line of credit are other sources of funding to consider.

Insights
A few financial insights for your life

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As long as you use it responsibly, getting a personal loan can help strengthen your finances and prepare you for financial success down the road.
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Understand How Car Loans Work Before You Step Into a Dealership

Know your financing options before buying your next car.
Crunching the numbers ahead of time will put you in the driver's seat of car-buying negotiations.
Credit

A Breakdown of the 5 Cs of Credit

Discover the five factors that guide banks' lending decisions.
Banks typically look for a debt-to-income ratio of less than 36% as an indicator of a responsible borrower.

Rates are subject to change at any time. Credit and collateral subject to approval.

This application is not available for Wisconsin residents. Please call us to apply or visit your local branch.

Annual Percentage Rate (APR) is 6.69% as of April 16, 2025, to qualifying applicants for a fixed-rate motorcycle loan amortized over 3 years and includes a discount for autodraft from a First Citizens checking account. APR is based upon a rate of 6.42% and an origination fee of $100.

For example: A motorcycle loan with an amount financed of $25,000 at a 6.42% fixed rate and including a $100 origination fee would have an APR of 6.69%, and you would make 36 payments of $765 and pay total interest of $2,551.

Other rates and terms are available based on collateral, loan amount, customer credit profile and payment method. Your rate may differ.

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