Motorcycle, Boat and Leisure Vehicle Loans

No matter how you move—by boat, RV, four-wheeler or even jet-ski—Navy Federal can help you get there. We've got the best motorcycle, boat, powersports and leisure vehicle loans1 for you.2 Plus, you can save even more on motorcycles and powersports with our Auto Buying Program.

  • Zero down payment—100% financing covers taxes, title and tags
  • Refinancing available on loans from other lenders; lower your rate or change terms
  • Additional ¼% APR savings for 25-year, Active Duty and retired members3

Please have the serial or vehicle identification number (VIN) when you apply for the loan.

1Recreational vehicles (RV), travel trailers, campers, personal watercrafts, all-terrain vehicles (ATV), snowmobiles and mopeds are eligible for Leisure Vehicle loan financing.

2Financing is available on boats and recreational vehicles used for recreational purposes only.

3Direct Deposit required. Must apply at a branch or by calling 1-888-842-6328. 25-year member discount is a one-time
non-transferable offer.

Call 1-888-842-6328 or visit a branch to apply for a loan now!

Tips for Buying Used Motorcycles

Body Condition

Check mirrors, grip ends, foot pegs and rear turn signals for damage.

Engine Condition

Check fluids, spark plug wires and hoses. Start in first gear with the clutch all the way in. If the bike lunges, adjust the clutch. If lunging remains a problem, the clutch may need replacing.

Tire Condition

If there is only 1/8 inch of tread or less, ask to have the price dropped accordingly.


Take it for a test drive. Look for flat spots in the torque/horsepower. Listen for odd noises like popping or backfiring, especially when decelerating. When you slow down, leave the bike in low gear so RPM stays high.

Estimated Value

Before agreeing on a purchase price, look up the trade-in value using the National Automobile Association's NADA guides.