Motorcycle and ATV loans
Your motorcycle and ATV escape starts with affordable financing from Oregon State Credit Union. Apply today for a loan to buy your ATV, camper, motorcycle, personal watercraft, snowmobile or trailer and let the adventure begin.
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No application fees and no prepayment penalty for paying off the loan early.
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Shop for motorcycle and ATVs using our convenient vehicle finder. Get NADA pricing guides here.
Discounts on our motorcycle loan rates
Your rate will depend on your credit qualification, the amount of the loan and:
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Receiving a 0.25% APR (Annual Percentage Rate) discount by maintaining an automatic loan payment each month.
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Receiving a 0.25% APR discount for qualifying for the Premier Member Merits category.
What types of motorcycles can you finance?
Standard, cruiser, sport, touring and off-highway are just a few of the many motorcycle types we finance for members.
| Vehicle type | APR (Low)* | APR (High) | Repayment terms |
|---|---|---|---|
| New (2023-2024) | 7.49% | 18.24% | Up to 72 months |
| New (2023-2024) | 7.74% | 18.49% | 73-84 months |
| Used (2018-2022) | 8.24% | 19.24% | Up to 72 months |
| Used (2018-2022) | 8.49% | 19.49% | 73-84 months |
About our motorcycle loans
An Oregon State Credit Union motorcycle loan is a loan secured by the title of a new or used motorcycle. Funds can be used to purchase or refinance new or used motorcycles. New motorcycles are those of the current or prior year. Qualified motorcycle purchasers can:
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Finance up to 100% of the purchase price for new vehicles.
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Finance up to 75% of the purchase price for used vehicles.
Motorcycles: you ride ‘em, we fund ‘em
It was a good year for motorcycles. It was 1954. On the market were the Triumph Thunderbird, Harley-Davidson Pan-head, Sears Allstate 175 SV and the BSA Gold Star, among many other excellent rides. Today, lots of the those great bikes are still serving their owners and so is Oregon State Credit Union. We began in 1954 serving members as a not-for-profit, member-owned financial cooperative – a community of borrowers and savers working together to help everyone realize their financial goals. When someone borrows from a bank, any profit from that goes to shareholders. Our shareholders are the people who do business with us: our members who, for example, choose Oregon State Credit Union for a motorcycle loan or motorcycle insurance. And when someone borrows from us, any earnings made on that loan are paid back to the members in the form of lower and fewer fees, and competitive interest rates on motorcycles and other types of loans and saving accounts. When you belong to a credit union, your money works for you, not someone else. Not a member yet? Join online here.
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