Yellow motorcylce

Motorcycle Loans

Adventures begin on two-wheels.

Motorcycle Loans made simple

Finance your next ride with our hassle-free loan options.

 

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Great Rates

Our rock-bottom rates ensure that you’re getting the best APR on your motorcycle loan.*

No Fees

Super Savings

Call Federal charges no application fees, provides rate discounts, and gives you the option to make no payments for 45 days.**

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Flexible Loan Terms

Finance up to 105% of your costs and find a payment to suit your budget with loan terms ranging between 36 and 84 months.

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New or Used

Buy a brand new motorcycle or explore older models that fit your budget. Refinancing also available.

Money Transfer

Easy Payments

Make payments online, by check, over the phone, at your local branch, or by automatic transfer.

 

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Expert Know-How

We’re here to help. Reach out to Call Federal Credit Union for support with any vehicle financing need.

Rates

Motorcycle & ATV / UTV Loans

Term

APR*

*APR= Annual Percentage Rate.  All loans subject to approval.  Not all will qualify for approval.  Of those approved, not all will qualify for the lowest rate.  Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.  Lowest rate listed assumes top tier credit and all available discounts with our Discount Program.  Rates Effective Date: February 1, 2025.

Term

Up to 36 Months

APR*

6.24%

Term

37 – 48 Months

APR*

6.75%

Term

49 – 60 Months

APR*

6.75%

Term

61 – 72 Months

APR*

7.25%

Term

73 – 84 Months

APR*

8.00%

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Rate Discount Program

Good deeds mean great discounts at Call Federal.

Members who have originated a consumer loan (personal, vehicle, or leisure) within the last 7 years or have been with the credit union for 10+ years are eligible for a Loyalty discount of .50%

Education discount of .50% for completing one of the qualifying courses available in our Money & Beyond Program and providing the certificate of completion at loan application. Contact us for more details.

Automatic transfer discount of .25% for members who set up an auto transfer payment from a Call Federal checking account. If the member receives this discounted rate but discontinues the auto transfer service, the loan rate can be automatically be adjusted accordingly.

Our rate discount program is made up of three options. Loyalty discount of .50% with Call Federal loan origination within the last 7 years or membership history of 10 years or more. Education discount of .50% for completing one of the qualifying courses available in our Money & Beyond Program and providing the certificate of completion at loan application. Automatic transfer discount of .25% for members who set up an auto transfer payment from a Call Federal checking account. If the member receives this discounted rate but discontinues the auto transfer service, the loan rate can be automatically adjusted accordingly. The two discounts for .50% cannot be combined. max rate discount of .75%. All of these discounts are only available at the time the loan is processed.

Run your numbers

Use our free calculators to find the numbers you need for your next ride.

Product Term (months) APR* Amount Payment
New Vehicle 72 6.49% $45,000 $759
Used Vehicle 60 6.49% $25,000 $491
Leisure Vehicle (Motorcycle) 60 7.00% $10,000 $199
Leisure Vehicle (Boat) 60 8.75% $15,000 $311
Recreational Vehicle (RV) 60 7.50% $25,000 $503
Personal Loan 36 9.75% $5,000 $162

We make it an easy ride

We keep the motorcycle loan application process simple and straightforward.

Number 1

Apply Online

Use our simple, secure online portal to provide your details and start your application.

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Review Offer

Upon pre-approval, we’ll offer you a loan amount and likely rate for your preferred term.

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Find Your Ride

Shop for a motorcycle with confidence and we’ll pay the dealer directly.

 

Apply Now

To apply for your motorcycle loan, use the link below or visit a branch to get started.

Apply Now

Five Star Feedback

★★★★★

I received great customer service from Barbara! I called in regarding questions for an auto loan and she provided all the needed information and gave me helpful financial tips! You won’t get that from a lot of banks and I could tell she truly cared. I’m very grateful! 🙂

Adam R.

We’re here to help!

Call Federal is here to help with your motorcycle loan application. Reach out to us today for more information and expert guidance to meet your needs.

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Locations
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804.274.1200

Disclosures

**Loan will still accrue interest with no payments for 45 days.