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Motorcycle Loans

For those moments in life when two wheels are better than four.

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Woman reclining on motorcycle

UCCU provides low rates and flexible terms on every motorcycle loan.

Are you ready to hit the open road on your dream motorcycle? Our motorcycle loans make financing your ride simple, affordable, and tailored to your needs. Whether buying a new bike or upgrading your current one, our loans offer competitive rates and flexible terms to get you moving.

Motorcycle loans are often the best way for riders to afford the bike of their dreams without draining their savings. By spreading out payments over time, you can ride the bike you want now while maintaining financial flexibility. Whether you’re drawn to the thrill of adventure, the convenience of fuel-efficient commuting, or simply the joy of cruising on two wheels, UCCU’s motorcycle loans are designed to make it happen.

Flexible Loan Terms for Your Motorcycle Needs

Term
APR* (as low as)
Payment (per $1,000)
APR* (as low as)
Payment (per $1,000)
Model Year
5 Years / 60 Months
7.74%
$20.15
7.99%
$20.27
2018-2025
6 Years / 72 Months
7.99%
$17.53
8.24%
$17.65
2018-2025
7 Years / 84 Months
8.24%
$15.71
8.49%
$15.83
2018-2025
5 Years / 60 Months Older Models
8.24%
$20.39
8.49%
$20.51
2010-2017

These options allow you to choose the loan term that best fits your budget and riding goals. Our team is here to help you explore your options and find the perfect plan.

Ready to Ride?

Getting started is simple. Estimate your monthly payments with our online calculators, prepare your financial documents, and submit your application online or at a UCCU branch. Once approved, you’ll be ready to hit the road and enjoy the ride of your dreams.

Whether it’s your first bike or your latest upgrade, UCCU is here to make your motorcycle ownership experience seamless and enjoyable. Don’t wait to start your journey—apply today and take the next step toward the ride of your life.

Apply Now


(801) 223-8188 | Branch Locations

Available M–F 8am–6pm, and Sat. 9am–2pm*.
*Saturday hours vary per Branch Location

Additional Benefits to Enhance Your Ride

When you finance your motorcycle with UCCU, you can access exclusive benefits. Pair your loan with our Elevated Checking account to enjoy features like cashback rewards and TSA PreCheck reimbursement. Protect your investment further with competitive insurance options, including gap coverage and extended warranties. Additionally, getting pre-approved before you shop gives you confidence to negotiate the best price on your motorcycle.

Financing your motorcycle also opens up opportunities to better manage your financial planning. With fixed monthly payments, you can budget effectively while enjoying the open road’s freedom. Plus, you’ll have the support of UCCU’s financial experts whenever you need guidance.

Meet Your Motorcycle Loan Expert

Our dedicated loan expert is here to guide you every step of the way. From choosing the best loan terms to finalizing your purchase, we make the process smooth and hassle-free. Whether it’s your first bike or an upgrade, rely on personalized support and expert advice tailored to your needs. Let’s turn your dream ride into reality!

Low Rates

Enjoy low rates and up to 100% financing on your new or used motorcycle loan with UCCU. Our loan experts make it easy to get pre-approved before you shop so that you can secure competitive rates and flexible terms. Ride confidently, knowing you’re getting the best deal tailored to your budget and lifestyle.

Fast Pre-Approval

Get on the road faster with UCCU’s streamlined approval process. Our experts work quickly to provide up to 100% financing and pre-approval before you start shopping. With fast approval and personalized support, you’ll be ready to purchase the motorcycle you’ve been dreaming about in no time. Let us help you ride away with ease!

Why Choose UCCU for Your Motorcycle Loan?

We’re committed to providing you with exceptional service and benefits that go beyond competitive rates. Our easy application process and personalized support mensureyou’ll find a financing plan tailored to your needs. With low fixed APRs and flexible terms, you can enjoy affordable monthly payments while working with a local, trusted credit union dedicated to helping you achieve your dreams.

Many riders choose UCCU for our loans’ personalized service and exclusive benefits. We understand the passion and purpose behind owning a motorcycle—whether it’s the call of adventure, the practical benefits of commuting, or the simple joy of the ride. That’s why we’re here to help you confidently achieve your goals.

Low Rates and Fast Approval

In addition to providing up to 100% financing and 72 months on a new or used motorcycle loan, your UCCU Auto Buying Expert will get you pre-approved for a low rate before you start shopping.

So you can shop with confidence, knowing you’re getting the best deal! 

Frequently Asked Questions

How do motorcycle loans work?

Our motorcycle loans make it easy to finance your new or used bike. Once approved, we provide the funds to purchase the motorcycle, and you repay the loan in affordable monthly installments with a fixed interest rate. You can even get pre-approved, so you shop confidently, already knowing your rate and budget!

What is the typical term length for a motorcycle loan?

UCCU offers flexible loan terms to suit your budget and goals. Choose from 5 to 7 years for new motorcycles, or 5 years for older models. These options allow you to customize your loan repayment schedule while enjoying competitive rates.

Do I need a down payment?

No down payment? No problem! We offer up to 100% financing on both new and used motorcycles. This means you can purchase your dream bike without upfront costs, making it more convenient.

Do motorcycle loans include insurance?

While our loans don’t include insurance, UCCU can help you protect your investment. We offer options like gap insurance and extended warranties to give you peace of mind. You’ll also need proof of standard motorcycle insurance as part of the loan process.

Can I pay off my motorcycle loan early?

Yes! UCCU allows you to pay off your motorcycle loan early without any prepayment penalties. This flexibility helps you save on interest and achieve financial freedom faster.

Let’s Ride Together

UCCU is here to help you achieve your motorcycle dreams. With competitive rates, flexible terms, and personalized service, financing your bike has never been easier. Apply online today or visit one of our branches to learn more.

*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Advertised APR includes 0.25% loan discount with Elevated Checking Account. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.

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(801) 223-8188
Mon – Fri: 8:00 am – 6:00 pm
Sat: 9:00 am – 2:00 pm

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