Motorcycle Loan Rates

With Arbor Financial low rates, enjoying the open road is easier than ever. You can secure the best rate possible when you buy new, used, or refinance your current loan.

Hit The Road With Competitive Motorcycle Loan Rates.

Your motorcycle is an integral part of your adventurous, road warrior lifestyle. Whether you’re looking to buy new, used, or refinance your current rate, ensure that you are banking with a credit union you can count on.

Motorcycle loans from Arbor Financial Credit Union offer competitively low rates, saving you more with every mile spent. Bike as far as your heart’s content with some help from our team.

Year	Term	APR as low as*
2025-2024 (up to 100% LTV Max)	Up to 36 months	7.49%
	37 - 48 months	7.74%
	49 - 60 months	7.99%
	61 - 72 months (Call for details)	8.24%
	73 - 84 months (Call for details)	8.74%
	85 - 96 Months (Call for details)**	9.99%
2023-2018 (up to 100% LTV Max)	Up to 36 months	7.74%
	37 - 48 months	7.99%
	49 - 60 months	8.24%
	61 - 72 months (Call for details)	8.49%
	73 - 84 months (Call for details)	8.99%
	85 - 96 months (Call for details)**	10.24%
2017 and older	Call for Rates

Time waits for no one, and if you find yourself wishing for excitement on the asphalt, now is as good a time as any. Grab life by the handlebars and hit the open road with outstanding rates, benefits, and features from Arbor Financial Credit Union.

Motorcycle Loan Rates FAQs

: Rates, including interest rates and annual percentage rates, are costs associated with borrowing money from a lender.

Interest rates are primarily used to calculate the cost of borrowing money on the principal loan, while APR rates calculate costs based on all factors, including tax, titles, and fees. Like car loans, motorcycle loan rates fluctuate according to the age and condition of the vehicle.

The higher your APR rate is, the more you will pay on your motorcycle loan. Let’s take a look at two examples.

Motorcycle Loan #1

APR: 4.99%
Total Loan Payment: $25,000
Term: 48 months
Monthly Cost of Motorcycle Loan: $575

Motorcycle Loan #2

APR: 7.99%
Total Loan Payment: $25,000
Term: 48 months
Monthly Cost of Motorcycle Loan: $610

The best motorcycle loan rates result from a combination of high credit scores, low monthly debts, and lending through reputable banking institutions such as Arbor Financial Credit Union.
: Your rate will be fixed, meaning that there is a set percentage due on the principal each month. This fixed rate is determined by a few elements, many of which are listed below. Maximize each of these factors to get the best possible motorcycle loan rates.

Credit Scores & History

Higher credit scores and more secure credit histories are looked upon favorably by lending institutions. You are likely to get better APR rates with a prime credit score rather than a subprime one.

Loan Term

The length of a motorcycle term varies according to your preference, although the outcomes may be drastically different. Long motorcycle terms lead to low monthly payments with high-interest rates. Short motorcycle terms produce higher monthly payments with low-interest rates.

Age Of Motorcycle

Used motorcycles boost your APR rate due to depreciation and lack of resale value. Newer motorcycles come with higher price tags, but cost less interest due to their ease of value recuperation.

Loan Lender

For-profit banks often charge higher motorcycle loan rates to make money. Credit unions like Arbor Financial are known for offering low-interest rates and working with you to lock in the best rate possible.
: Shop for your next ride the right way with a pre-approval letter from Arbor Financial. Use your insurance documentation, proof of income papers, and other necessary files to be verified for financing. Apply online or in-person to get the wheels turning.