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Motorcycle Loans (View Rates)

New Motorcycle Loans

  • If you apply online, APCI Federal Credit Union now offers 24/7 email response within 30 minutes or less; know your financing is pre-approved1 anytime you need it
  • Fixed, competitive interest rate
  • Financing up to a 72 month term
  • Up to 100% manufacturer's suggested retail price (MSRP) financing available
  • Street legal 300cc minimum size bikes only
  • Minimum loan amount is $1,000 - Maximum loan amount is $50,000
    • New motorcycles - No money down, 100% financing of the MSRP, including tax, tags and extended warranty. Rebates can be added back in to finance amount to account for negative equity trade-in vehicle but not for cash-out purposes.
    • Motorcycles eligible include: new motorcycles with an "A" title, demo and program motorcycles of the current and one previous year, and transfer financing of motorcycle purchased within the last 6 months with another institution.
    • Racing and dirt bikes are not eligible for financing.
    • APCI FCU will not finance vehicles outside the 50 United States.

Used Motorcycle Loans (Purchase and transfer financing)

  • Fixed, competitive interest rate
  • Financing up to a 72 month term - term based on age of vehicle (see chart below)
  • 100% financing based on NADA average retail value
  • Street legal 300cc minimum size bikes only
  • Minimum loan amount is $1,000 - Maximum loan amount is $50,000
    • No money down and up to 100% NADA (or Kelley Blue Book) average retail value including but not exceeding average value: tax, tags and extended warranty.
    • Coded title vehicles (i.e., R - Reconstructed, S - Salvage, W - Flood) are not eligible for financing.
    • Racing and dirt bikes are not eligible for financing.
    • APCI FCU will not finance vehicles outside the 50 United States.

This product can be used for cash out or debt consolidation loans and is eligible for the automatic payment discount.

Used Motorcycle Loan Terms

2011 - 2019
up to 48 month terms

2013 - 2019
up to 60 month terms

2015 - 2019
up to 72 month term

Repayment is just as simple. Setting up automatic payment (from your APCI FCU account) for your loan repayment gets you a 1/4% discount on the interest rate.2

1 Loan application pre-approval is pending final review by an APCI Federal Credit Union representative.
2 Applies to closed-end loans only.