Motorcycle Loans
Gear up for the open road with a new motorcycle! Low APR, flexible rates, and no closing fees help you save and get terms that work for your budget. Our application process is also simple to help you get on the road quickly.
Apply for an OUCU Financial motorcycle loan today for a fast loan decision and personalized service that puts your needs first. Stop dreaming and start riding!
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Two Wheels, Endless Possibilities
Whether you want to ride around town on a cruiser, explore off-road destinations with a dual sport bike, or take exciting cross-country road trips with a touring bike, we can take care of the financing. Our credit union motorcycle loans take the hassle out of financing to help you get on the road faster. Apply for an OUCU Financial motorcycle loan today to see where the road will take you!
Competitive Rates
Save on interest so you can have more for your next road trip adventure.
Flexible Terms
Terms of up to 60 months are available to get payments that work for your budget.
No Closing Fees
Skip the loan fees and keep more of your hard-earned money.
No Prepayment Penalties
Save on interest by making extra payments or paying off your loan early.
OUCU Motorcycle Loan FAQs
How do I apply for a motorcycle loan?
Applying for an OUCU motorcycle loan is fast and easy! You can conveniently apply online, by phone, or in person at a branch. It only takes a few minutes to fill out our short application, and we’ll give you a quick loan decision.
What credit score do I need to qualify for a motorcycle loan?
A credit score of at least 650 is preferred for a motorcycle loan, but lower scores will be considered. Your credit history is one of several factors we will review for loan approval. We will also look at your employment history, income, and current debts.
Can I get pre-approved for a motorcycle loan?
Yes, we offer loan pre-approval so you will know how much you qualify to borrow before you start shopping for the perfect bike. We’ll do a preliminary review of your finances and give you a pre-approval letter that you can show dealers to let them know you are a serious buyer.
Can I finance a used motorcycle?
Many used motorcycles qualify for financing. It depends on the model year, condition, and current value of the bike you are considering.
Is a motorcycle loan better than a personal loan?
Personal loans are unsecured loans and typically have higher interest rates than motorcycle loans, which are secured with the bike you are buying. You’ll get a better deal with a motorcycle loan because collateral is used to get a better rate.
Can I refinance my existing motorcycle loan?
Yes, you may be able to get a better interest rate to save on the cost of your loan. Depending on the loan balance and the APR, the savings could be significant. You may also be able to get a better loan term to lower your monthly payments.
What types of motorcycles can I finance?
Nearly all types of motorcycles qualify for financing including cruisers, sport bikes, touring bikes, dual sport bikes, trikes, and more!
Do I qualify to be an OUCU Financial member?
Membership is open to anyone who lives, works, worships, or goes to school in the following counties: Athens, Hocking, Fairfield, Perry, Morgan, Washington, Vinton, and Meigs. You also qualify for membership if you are an Ohio University or Hocking College active or retired employee, student, or graduate, or if you have a family member who is eligible for membership.
