Lower Rates,
Longer Rides
Motorcycle financing built for riders, not banks. Wheelhouse Members get competitive rates and flexible terms
Low Rates & Flexible Terms
Fast Approval
No Payments for up to 60 Days1
Easy Online Process
Motorcycle Loan Features
Enjoy low rates and flexible financing designed to get you riding sooner.
Motorcycle Loan Rates
From city streets to open highways, our competitive rates help make every ride more affordable.
| Terms | Minimum Loan Amount | APR* As low as | Estimated monthly payment per $1,000 | Maximum Discounted APR*† As low as | Estimated monthly payment per $1,000 |
|---|---|---|---|---|---|
| Up to 48 months | $5,000 | 6.99% | $23.94 | 6.49% | $23.71 |
| 49-66 months | $7,500 | 7.24% | $18.41 | 6.74% | $18.17 |
| 67-75 months | $10,000 | 8.24% | $17.10 | 7.74% | $16.86* |
*APR = Annual Percentage Rate. Rates are effective as of May 1, 2026 and are subject to change without notice.
†0.25% loan rate discount is only available on new eligible loans and require setting up automatic loan payments from an Inspired or Inspired Plus Checking account. One discount per qualifying loan.
Inspired Checking requires the following within 90 days of account opening: initial minimum deposit of $10, at least $450 in recurring monthly direct deposits, active digital banking registration, and enrollment in eStatements. Inspired Plus checking is subject to the same requirements as Inspired checking, plus a $9 monthly fee. If requirements are not met and maintained, the account will be converted to a Basic or Basic Plus Checking account, which may be subject to different terms and conditions and the auto pay discount will be removed. Access to Perks by Wheelhouse® will also be removed when applicable. Contact a Team Member for further information.
Rates as low as are valid for model years 2021 [this date may change] and newer and include the following discounts on new qualified loans: get a rate discount of 0.50% on terms up to 66 months or 0.25% on terms between 67-84 months when you purchase a vehicle using our auto buying service, New Cars Inc. (NCI) and finance it with Wheelhouse® Credit Union; purchase any two (2) ancillary products to get a 0.25% discount on the rate; and set up automatic loan payments via your Inspired Checking Account and get a 0.25% discount. All loans subject to credit and collateral approval. Contact a Team Member for further information.
© 2026 Wheelhouse Credit Union | Federally Insured by NCUA
Based upon a X.XX% APR for XX months, monthly payments would be $XX.XX per $1,000 borrowed.
Protection Beyond The Purchase
Add extra protection for your vehicle and enjoy even more savings. Purchase any two eligible protection products and receive an additional 0.25% APR* discount on your auto loan rate.
GAP Protection
Covers the difference between your vehicle’s value and what you owe if it’s totaled or stolen.
Debt Protection
Helps make your loan payments during unexpected life events like disability or job loss.
Mechanical Protection
Extended warranty coverage for repairs and maintenance after your manufacturer warranty expires.
How it works
Getting your motorcycle loan is simple and straightforward
Complete our simple online application in minutes from anywhere.
Receive a quick decision and know your approved amount.
Shop with confidence knowing you have financing ready.
Complete the paperwork and hit the road in your new vehicle.
Calculate your payment
See what your monthly payment could be with our motorcycle loan calculator.
Ready to get started?
Apply for your Motorcycle loan today and experience the Wheelhouse difference. Fast approval, competitive rates, and exceptional service.
Frequently Asked Questions
Answers to your most common Motorcycle Loan questions.
Yes. Wheelhouse Credit Union offers financing for both new and used motorcycles, with competitive rates and flexible repayment terms to help you find a payment that fits your budget.
Your loan amount depends on factors such as the motorcycle's value, your application, and loan qualifications. Our lending team can help you determine the financing option that best fits your needs and budget.
Getting pre-approved can make shopping easier by giving you a better idea of your budget before you visit a dealership or private seller. It can also help simplify the buying process once you've found the right bike.
Disclosures
*APR = Annual Percentage Rate. Rates effective as of 07/01/2026 and are subject to change without notice. Rates are based on creditworthiness. All loans subject to credit and collateral approval. Membership required.
1Payment may be deferred for up to 60 days from loan funding. Interest will continue to accrue during the deferral period.
2Price including tax, title, license & warranty. Used motorcycle financing on vehicles up to 8-years old
†0.25% loan rate discount is only available on new eligible loans and require setting up automatic loan payments from an Inspired or Inspired Plus Checking account. One discount per qualifying loan.
Inspired Checking requires the following within 90 days of account opening: initial minimum deposit of $10, at least $450 in recurring monthly direct deposits, active digital banking registration, and enrollment in eStatements. Inspired Plus checking is subject to the same requirements as Inspired checking, plus a $9 monthly fee. If requirements are not met and maintained, the account will be converted to a Basic or Basic Plus Checking account, which may be subject to different terms and conditions and the auto pay discount will be removed. Access to Perks by Wheelhouse® will also be removed when applicable. Contact a Team Member for further information.
‡Rates as low as are valid for model years 2021 [this date may change] and newer and include the following discounts on new qualified loans: get a rate discount of 0.50% on terms up to 66 months or 0.25% on terms between 67-84 months when you purchase a vehicle using our auto buying service, New Cars Inc. (NCI) and finance it with Wheelhouse® Credit Union; purchase any two (2) ancillary products to get a 0.25% discount on the rate; and set up automatic loan payments via your Inspired Checking Account and get a 0.25% discount. All loans subject to credit and collateral approval. Contact a Team Member for further information.
© 2026 Wheelhouse Credit Union | Federally Insured by NCUA
+Rates as low as are valid for model years 2017 to 2020 [these dates will change] and include the following discounts on new qualified loans: get a rate discount of 0.50% on terms up to 66 months or 0.25% on terms between 67-84 months when you purchase a vehicle using our auto buying service, New Cars Inc. (NCI) and finance it with Wheelhouse® Credit Union; purchase any two (2) ancillary products to get a 0.25% discount on the rate; and set up automatic loan payments via your Inspired Checking Account and get a 0.25% discount. All loans subject to credit and collateral approval. Contact a Team Member for further information.
Membership required. Federally Insured by NCUA.
^Based upon a X.XX% APR for XX months, monthly payments would be $XX.XX per $1,000 borrowed.