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.
With low, fixed payments
No origination fees and quick decision
Up to 60 months
Pay off your loan early if you need to
Fast and easy payment methods, plus rewards for on-time payments2
Cover your motorcycle in the event of mechanical breakdowns, financial loss and more — get your quote today
Rates Effective 04/25/2025
| Term | Minimum Amount | APR Range1 | |||||||
|---|---|---|---|---|---|---|---|---|---|
| 17968 | Up to 60 months | $1,000 | 7.25% to 17.05% | 7.25 | 7.25 | 60 | 04/25/2025 | 100% | 60 months: $19.98 per month per $1000 borrowed at 7.25% APR |
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 at our Patelco Virtual Branch™.
The process is simple:
Yes. We recommend getting pre-approved in advance, so once you find the type of motorcycle 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.
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 04/25/2025. 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 patelco.org 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.
