Routing # 321076470

Motorcycle Loans

Hit the open road with affordable financing and terms

Financing fit for cruising

Whether you’re an avid biker or looking for your first two-wheeled commuter, we can help you with affordable motorcycle financing options. Purchase a new or used motorcycle from a dealer or private party or refinance and save on one you may already own.

With low rates, simple terms and flexible payment options, your ride full of fun is right around the corner.

Key Features

Competitive rates

With low, fixed payments

Easy application

No origination fees and quick decision

Flexible terms

Up to 60 months

No pre-payment penalties

Pay off your loan early if you need to

Budget-friendly payment options

Fast and easy payment methods, plus rewards for on-time payments2

Insurance and payment protection

Cover your motorcycle in the event of mechanical breakdowns, financial loss and more — get your quote today

New and Used Motorcycle Rates

Rates Effective 01/01/2024

TermMinimum AmountAPR Range1
17968Up to 60 months$1,0007.25% to 17.05%7.257.256001/01/2024100%60 months: $19.98 per month per $1000 borrowed at 7.25% APR

Frequently Asked Questions

  • Our application takes a few minutes to complete online. You can also apply with a Patelco team member directly at a branch, by phone or online via Zoom at our Patelco Virtual Branch™.

    The process is simple:

    1. Submit an application online or with a team member
    2. We’ll review your application
    3. Send any documents requested by your loan funder
    4. Once approved, you’ll receive a convenience check made payable to the seller of the boat you want to purchase
    5. Provide the check to the seller and drive off as the proud new owner!

    Yes. We recommend getting pre-approved in advance, so once you find the type of boat you want, it will be easy to purchase straight from the dealership.
    It’s good to have a price range in mind, along with your down payment amount so we can determine what you qualify for and how much you’ll need to borrow. Once approved, we will issue you a convenience check which you can use to purchase directly from a dealer.

Get rewarded for on-time payments
If you don’t qualify for our best rates upfront, with LevelUp2 you can still save on your loan over time. Make 12 consecutive, on-time monthly payments on your loan and we’ll automatically reduce your rate, up to 0.50% APR per year with a maximum of 1.50% APR.

1 APR (Annual Percentage Rate). Motorcycle rates as low as 7.25% effective 01/01/2024. Loan rates are subject to change without notice and subject to credit approval. Patelco offers a range of rates that depend on factors such as credit history, loan term, Patelco account and loan balances. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 17.05%. To learn more about rates, terms and available discounts, call 800.358.8228, visit or visit any Patelco branch. Loan payment example: 60 months: $19.98 per month per $1000 borrowed at 7.25% APR

2 LevelUp is offered to members who are approved for the following loans at Patelco’s credit tier 2 or higher: auto, motorcycle, RV, boat, and personal loans, excluding all lines of credit. Total discount of up to 1.50% APR (Annual Percentage Rate) applied in 0.50% APR increments for every 12 consecutive on-time monthly payments. Maximum discount will never cause the final APR to be lower than the LevelUp floor rate for the specific loan and term at time of funding. Monthly payment amount remains constant, with additional money going toward principal, which shortens the term of the loan and the total amount paid over the life of the loan.


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