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Rev up with a
motorcycle loan

  • New bike or used bike, let’s roll
  • Get preapproved online
  • Fixed rates and flexible terms

Get your vroom on

Rev up with a motorcycle loan

  • New bike or used bike, let’s roll
  • Get preapproved online
  • Fixed rates and flexible terms

Get your vroom on

  Washington’s only Forbes Best-In-State Credit Union five years in a row!

  Washington’s only Forbes Best-In-State Credit Union five years in a row!

Motorcycle Loan Rates

6.22% - 23.29%
APR Annual Percentage Rate: The cost of the loan, including interest and fees.
115%
Purchase max LTV Max loan-to-value: The highest percentage of the collateral's value that can be financed.
$75,000
Loan maximum The highest loan amount available.
84 months
Maximum repayment period The highest amount of time available to repay the loan.

Rates and terms listed are current as of July 15, 2026. Rates and terms are subject to change at WSECU's discretion.

Ready, set, ride. Get preapproved so you know your buying power before you shop. Whether you're eyeing a new or used bike, enjoy low fixed rates, flexible terms and financing up to 115% of the purchase price. Bonus: most motorcycles use less fuel than the average gas-powered car, so you'll spend less at the pump and enjoy more time exploring.

Get your vroom on

Here's what you'll need

Here's what you'll need

Auto, Recreational Vehicle, Personal Loan or Line of Credit

  • SSN or ITIN
  • Date of birth
  • Address
  • Employment information and income
  • Monthly rent or mortgage payment
  • Additional expenses; e.g., monthly child support, child care, alimony, etc.
  • Loan information (if refinancing a loan from another institution)

Payment example

Maximum advance may include sales tax, license, and warranty, depending on your credit history. Your rate and the financing terms (such as Loan-To-Value, Maximum Amount and Payment Period) that you qualify for will be determined by your personal credit history, vehicle mileage, loan term, collateral and vehicle age. Proof of income may be required. All loans are subject to our lending policies.

Equity Take-Outs: We will finance up to the LTV listed for purchases per loan type.

Payment examples:

New Motorcycle: $15.69 per $1,000 at 8.19% APR for 84 months
Used Motorcycle: $16.31 per $1,000 at 9.44% APR for 84 months

Rates and terms listed are current as of July 15, 2026. Rates and terms are subject to change at WSECU's discretion.

See what's possible.

How much can I borrow?

Enter the loan amount and we'll calculate your monthly payment, or enter your desired monthly payment and we'll tell you how much you can borrow.

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What is your desired monthly payment?

This is the amount you pay monthly for the length of the term.
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What payment best fits your lifestyle?

Here are a few popular options.
Smaller Loan + Shorter Term (48 months)
Moderate Loan + Moderate Term (60 months)
Larger Loan + Longer Term (84 months)
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How much would you like to borrow?

This is the total loan amount.
$
Enter in a dollar amount
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What payment best fits your lifestyle?

Here are a few popular options.
Higher Payment + Shorter Term (48 months)
Moderate Payment + Moderate Term (60 months)
Lower Payment + Longer Term (84 months)
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Loan Information

The amount you will pay towards the loan monthly.
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The amount you'll pay each year to borrow the money, expressed as a percentage. Your actual rate may vary. See rates for this loan type for other options.
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The duration of time it takes to pay off the loan in months.
Enter in a number between 1 and 360

Principal & Interest Over Time

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Learn more

When using the calculator, please remember the dollar amounts displayed aren't guaranteed, and what you actually pay may be different. The estimates you receive are for illustrative and educational purposes only. The results of any loan calculator are not intended to be and should not be considered a decision of, or a commitment to, the loan type or amount for which you may qualify.

Auto Loan Rates
Type of LoanAnnual Percentage RateMax Loan-to-ValueLoan MaximumRepayment Maximum
New
Models 2024 and Newer		5.30% - 12.34%115%*$250,000Up to 84 Months
Used
Models 2023 and Older		5.58% - 13.29%115%*$250,000Up to 84 Months
Used 
2023 and Older
100,001 to 175,000 miles		6.83% - 14.54%115%*$250,000Up to 72 Months
Classic
20 Years or older		6.83% - 9.64%80%**$250,000Up to 72 Months

Rates and terms listed are current as of March 15, 2026. Rates and terms are subject to change at WSECU's discretion.

*New/Used Vehicle Purchases: Maximum advance may include the sales tax, license and warranty, up to 115% of vehicle value, depending on credit history.  ↵
**Classic Vehicle Purchases: Maximum advance is 80% of JD Power "Average Retail," 80% of KBB "Adjusted Retail," or 80% of written appraisal. For complete details on classic car financing, please call our Contact Center at 800.562.0999 or visit a branch.  ↵

Start your journey with a WSECU motorcycle loan preapproval.

You’re just three steps away from revving that engine. With a preapproval in hand, you can hit the dealerships with the upper hand to negotiate the price that’s right for you.

  • 1

    Get preapproved

    Complete your application so you can get out there and shop for your dream ride with confidence.


  • 2

    Shop

    Bring your preapproval letter. Knowing exactly how much you can spend helps you land the perfect machine.


  • 3

    Buy your motorcycle

    Congratulations! The end of your buying journey is the beginning of new adventures.

Get your vroom on

FAQ

Click either of the Get your vroom on buttons on this page and apply online, schedule an appointment to meet with a loan officer, stop by a branch or call the Contact Center. You can also apply directly at a Credit Union Direct Lending dealer.

Anyone eligible for membership with WSECU may apply for a loan.

Being preapproved, or getting a loan approval, means the lender has made a firm loan offer that is valid through a specified time frame. Applicants can accept or reject preapprovals. Getting preapproved is helpful if you want to choose a lender and know your loan terms before making a purchase.

Yes. If you haven’t chosen a motorcycle yet, you can still request to be approved for your target loan. If you’ve already chosen your new ride, the application will ask for specific information such as year, make, model and VIN.

Why WSECU?

Being a member of Washington’s only Forbes Best-In-State Credit Union five years in a row has its perks. Enjoy favorable rates on everything from credit cards to savings accounts. Insured deposits. A great mobile app. Access to your money from ATMs anywhere in the world. And since you’ll be part of a member-owned cooperative that gives 4% of its net income back to your local community, you’ll see the good happening all around you. Every day.

Forbes 2025 Best-In-State Credit Unions - 5 Years Running

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