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When you’ve got your sights set on a motorcycle, the last thing you want is for financing to get in your way.

Many financial institutions don’t specifically offer motorcycle loans, and when they do, many borrowers end up with high interest rates and inflexible terms that end up costing them more than they expected. Spectrum Credit Union offers low rates and flexible terms on loans for new and used motorcycles, so you can choose the option that fits your lifestyle. 

Key features:

  • New or used motorcycles1
  • Flexible loan terms from 12 to 84 months2
  • Up to 120% Loan-to-Value Ratio (LTV), including taxes, registration, fees, license, and warranties2
  • 0.50% discount when you sign up for auto payments
  • Loan pre-approval, so your financing is good to go before you buy2
  • Eligibility includes private party purchase, lease buy-out purchase, or family transfer transactions3


We offer same-day loan approval. Once all documents have been signed and stipulations met, we can close an auto loan within one business day.

Loan payment example: $10,000 loan at 2.54%4 APR5 for 60 months = $177.65

Motorcycle refinancing with Spectrum Credit Union

Want to refinance your motorcycle? We’ve got you covered! Spectrum Credit Union offers competitive rates and flexible terms for motorcycle refinancing, even considering “new” what many lenders consider “used.”

If your motorcycle model year is the current year or within the previous two years and the mileage does not exceed 30,000, we consider it new! If your motorcycle model year is within the past seven years and the mileage does not exceed 125,000, we consider it used. We also have a program for older motorcycles, so no matter the age of your vehicle, you have access to some of the best rates out there.6

Loan payment example: $8,000 loan at 2.89%7 APR5 for 48 months = $176.69

Still have questions?

Give us a call at 800-782-8782. For those outside the U.S., call 510-251-6000.
Rates shown are "as low as." Rates are subject to change without notice.

1 If your motorcycle model year is the current year or within the previous two years and the mileage does not exceed 30,000, we consider it new. If your motorcycle model year is within the past seven years and the mileage does not exceed 125,000, we consider it used.
2 Depends on amount financed, age of vehicle, mileage, and member’s credit history.
3 These transactions will have 0.25% added to the interest rate.
4 Rate shown is for a new motorcyle loan with a term of 60 months. Rate includes a 0.50% discount for automatic payments from a checking or savings account or payroll deductions. Actual rates will be determined individually based on the amount financed, the term of loan, the model of vehicle, and member’s credit history. Your rate may be higher. Other restrictions may apply. Rates shown are "as low as." Rates are subject to change without notice.
5 APR = Annual Percentage Rate
6 Financing for model years older than 2014 is limited to a maximum term of 36 months for up to LTV 100% Wholesale KBB.
7 Rate shown is for a used motorcycle loan with a term of 48 months. Rate includes a 0.50% discount for automatic payments from a checking or savings account or payroll deductions. Payment example is for demonstrational purposes only. Actual rates will be determined individually based on the amount financed, the term of loan, the model of vehicle, and member’s credit history. Your rate may be higher. Other restrictions may apply. Rates shown are "as low as." Rates are subject to change without notice.

Ready to become a member? Let’s get started.

If you’re eligible for membership, we’re ready to hear from you. Not sure if you’re eligible? You can check if you qualify here.

Why join Spectrum Credit Union? Learn more.

From everyday finance to life’s big money moments, it’s better when you belong.