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middle aged man on a motorcycle riding through the country side middle aged man on a motorcycle riding through the country side

Whether you want to ride on-road or off, we can help—with rates starting at 9.74% APR1.

Apply online

A lot of banks don't finance motorcycles. Good thing we're not a bank.

Affinity is a credit union—a not-for-profit financial cooperative owned by our members that operates for their benefit. So we do things a lot of traditional banks won't, like finance motorcycles. Did you take out a high-interest personal loan to buy your bike? Affinity offers secured motorcycle refinance loans with rates that are typically lower. Looking at used bikes from private sellers? Apply for a quick preapproval, and you'll be ready to close the deal as soon as you see your ride. Buying from a dealer? Before you take their finance offer, submit a quick, no-cost loan application to see if you can get better loan terms from Affinity.


Free 45-day preapprovals let you shop with confidence

Finding the exact motorcycle you want can take time. Preapproval lets you lock in your rate and loan amount, so you're ready to make an offer when you find the right bike.

Competitive rates and terms of up to 72 months1

Today's motorcycles are more advanced—and more expensive. Our low, member-only rates and longer payment terms help make motorcycle ownership more affordable.

No application fees or prepayment penalties

There's no cost to apply for a new, used, or refinance loan – and no penalty if you decide you want to change your ride and pay your loan off early. Plus, we'll give you a 0.25% APR1 rate discount for setting up automatic payments.


Join our credit union
Our finance rates and other banking resources are only for members. Joining is easy: Join online or call us at 800.325.0808.
Get your free preapproval
To lock in your rate for 45 days—or finance a car you've already found—click here to apply online.
Protect your motorcycle
We offer GAP insurance to help protect you from the unexpected. And, we can even help you get auto insurance.

Frequently asked questions about motorcycle loans

Should I get a loan for a motorcycle?

Generally speaking, the answer is the same for any type of vehicle loan. If you can comfortably afford to do so without depleting your savings, you'll save by paying cash instead of financing and paying interest. If that's not the case, a loan can help you afford the new or used motorcycle you want.

How hard is it to finance a motorcycle?

It can be more challenging because online lenders and traditional banks may not offer motorcycle loans. Dealers will usually provide financing but don't always offer the lowest rates. But Affinity is a credit union owned by our members, so we offer affordable motorcycle loans as a service to our members who ride.

How should I compare motorcycle loans?

When comparing the best motorcycle loans, there are three main factors to consider:

  1. What is the interest rate or APR (Annual Percentage Rate)? The lower the rate, the less you'll pay for interest (and interest-related fees) over the life of the loan.
  2. What are repayment terms? Basically, how many months will it take to pay back the loan? A longer repayment period will make each monthly payment lower, but you'll spend more over the life of the loan compared to a shorter repayment period.
  3. How much do you have to put down? Some lenders may require a 20% (or higher) down payment, while others may even offer 110% financing (i.e., giving you $11,000 to buy a $10,000 bike). A lower down payment may be more convenient initially but will result in higher payments each month.
What types of motorcycle loans can I get?

Affinity Federal Credit Union can provide motorcycle financing for:

  • Dealer purchases – getting a new or used vehicle from a motorcycle dealership
  • Refinancing – to lower your rate or get better terms than your current loan
  • Private party – buying a bike from an individual seller
Who can apply for a motorcycle loan?

You must be an Affinity Federal Credit Union member and be 18 years of age or older.