Motorcycle Loans
At Oregon State Credit Union
Finance a new or used motorcycle with OSCU’s flexible terms and rates as low as 7.49% APR.
Freedom on two wheels
KEY BENEFITS
Lower fees
Competitive rates
Flexible financing
Easy to apply
Why choose an OSCU Motorcycle Loan?
Buy or refinance your motorcycle ride with OSCU and enjoy flexible options, local service and underwriting, and rates as low as 7.49% APR. We also offer financing for ATVs, horse trailers, snowmobiles, and personal watercraft at the same low rates.
Flexible financing
- Buy or refinance new or used motorcycles (up to 6 years old) with fixed rates and terms up to 84 months
- Choose shorter terms up to 72 months for faster payoff
- Finance up to 100% of the purchase price of new motorcycles
- We finance standard, cruiser, sport, touring and off-highway motorcycle types
Easy to apply
- Apply directly with Oregon State Credit Union
- Enjoy local underwriting and faster loan decisions
- Get pre-approved before you shop, so you’re ready to roll
Lower rates & member savings
- Enjoy rates as low as 7.49% APR*
- Reduce your rate by 0.25% APR with automatic monthly payments
- Reduce your rate by 0.25% APR by qualifying for Member Merits
- Enjoy low-to-no fees
- Affordable motorcycle insurance and payment protection coverage
*Featured APR includes rate reductions for member merits and automatic monthly payments.
Get Started
Ready for your next adventure? Finance your motorcycle, ATV, or other recreational ride with OSCU’s great rates and flexible terms — and hit the road with confidence.
Motorcycle Loan details: your loan, explained
| Vehicle type | APR (Low)* | APR (High) | Repayment terms |
|---|---|---|---|
| New (2024-2026) | 7.49% | 18.24% | Up to 72 months |
| New (2024-2026) | 7.74% | 18.49% | 73-84 months |
| Used (2019 – 2023) | 8.24% | 19.24% | Up to 72 months |
| Used (2019 – 2023) | 8.49% | 19.49% | 73-84 months |
* APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. | |||
Motorcycle, ATV, camper, personal watercraft, snowmobile and trailer loan rates
New (2024-2026)
New (2024-2026)
Used (2019 – 2023)
Used (2019 – 2023)
* APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Vehicle loan payment calculator*
Many factors go into determining the final loan amount for the purchase of a new or used vehicle. These factors include any manufacturer’s rebate, the trade-in value of your old vehicle, less any outstanding balance, your down payment, etc. Once the loan amount is determined, the interest rate and the term of the loan will be used to estimate your vehicle payment.
Vehicle refinance calculator*
Use our vehicle refinance calculator to help you decide if it would be worth it for you to refinance your auto loan.
*Interactive calculators are made available as self-help tools for your independent use and are not intended to provide financial advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance matters.
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More ways to finance your ride
Looking for something closer to home? Explore our auto loan options for new or used cars, trucks, hybrids, or electric vehicles.
