Motorcycle Loans
Your Next Adventure—Your Way AND the Highway
Whether it’s your daily ride or your weekend bike, we can help finance your motorcycle:
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Cruisers -
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Dirt Bikes -
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Trike -
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Sport Bike -
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Scooter -
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Moped
New & Used Motorcycle Loan RatesFootnote 1
| Loan Type | up to 36 mos. APR as low as | 37-60 mos. APR as low as | 61-72 mos. APR as low as | 73-84 mos. APR as low as | 85-180 mos. APR as low as |
|---|---|---|---|---|---|
| New Motorcycle | 8.95% | 9.45% | 9.45% | 10.80% | n/a |
| Used Motorcycle | 8.95% | 11.55% | 11.55% | n/a | n/a |
Rates as of May 14, 2025 ET. |
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| Credit and collateral subject to approval. Advertised “as low as” annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. Rates subject to change. Recreational vehicles must be used for recreational purposes only. New Motorcycles: New Motorcycles: 2024 and newer model years with less than 1,000 miles. $25,000 minimum amount financed for terms of 61-72 months. $30,000 minimum amount financed for terms of 73-84 months. Payment example: New motorcycle loan of $15,000 for 3 years at 8.95% APR will have a monthly payment of $480. Used Motorcycles: 2023 and older model years, or more than 1,000 miles, regardless of title history. $25,000 minimum amount financed for terms of 61-72 months. |
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Estimate Your Payment
Use our Loan Calculator to figure out how to end up with the best monthly payment for you.
What Do You Need to Apply?
Make sure you have the following details for yourself and any co-applicant before you apply for a motorcycle loan:
- Vehicle Identification Number (VIN), make, model, year, engine size, mileage
- Current housing, employment and income information
- Any trade-in information (title, loan details, registration, etc.)
- Amount expected to finance (including purchase price, taxes, tags, title and warranty, minus any down payment)
- Desired length (term) of the loan
- The dealer or seller's name
- The state where you’ll register the motorcycle
What Can a Preapproval Do for You?
If you're still shopping, you could get preapproved for a loan to buy from a dealership and:
- get an accurate picture of how much you can spend on a vehicle
- lock in your interest rate for 90 days
- negotiate a better sales price with the dealer
How Can I Refinance My Current Loan?
If you’re refinancing a motorcycle loan that’s currently financed with another lender, you’ll need to provide the:
- lender's name
- lender’s phone number
- your loan number with the lender
- payoff amount
- valid through date
- per diem amount (optional)
Ready to Apply?
Applications are completed over the phone or in a branch.
Call 1-888-842-6328 or visit your nearest branch to apply for a motorcycle loan today.
You're getting closer to getting going!
Motorcycle Loan FAQs
How do I apply for a motorcycle loan?
Use one of the following options to apply:
- In person at one of our branches
- Over the phone anytime at 1-888-842-6328
What information do I need to apply for a motorcycle loan?
What is considered a motorcycle?
Can I get approved for a motorcycle loan before I pick out my motorcycle?
Does Navy Federal charge an application or origination fee?
How soon will I receive a decision after I submit my loan application?
Can I electronically sign my loan?
Once my loan is approved, how do I receive my loan funds?
Need to Talk?
Enjoy 24/7 support from our US-based member service team. Reach us online, over the phone or at a branch. Contact us.
If you're ready to apply for an auto loan or want to check the status of your loan, please call us at 1-888-842-6328.
Explore Our Other Loans
Other Leisure Vehicles
Disclosures
Credit and collateral subject to approval. Advertised “as low as” annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. Rates subject to change. Recreational vehicles must be used for recreational purposes only.
New Motorcycles: New Motorcycles: 2024 and newer model years with less than 1,000 miles. $25,000 minimum amount financed for terms of 61-72 months. $30,000 minimum amount financed for terms of 73-84 months. Payment example: New motorcycle loan of $15,000 for 3 years at 8.95% APR will have a monthly payment of $480.
Used Motorcycles: 2023 and older model years, or more than 1,000 miles, regardless of title history. $25,000 minimum amount financed for terms of 61-72 months.
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Direct deposit is required. This military special may expire at any time. Applicants must contact Navy Federal by phone or visit a branch to receive the discount. Active Duty rate discounts (which are also available for retired military members) can be applied, subject to certain restrictions.
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