Skip to main content
Upcoming Holiday Hours - Memorial Day — Learn 更多的
Update About Intermittent Access Issues — Learn 更多的

Motorcycle & ATV贷款

When you need to fund some fun.

马上申请 Get Preapproved Refinance

或打电话 1-800-621-2105

Motorcycle & ATV贷款 感兴趣 率  4月  每月 付款 Loan Term (个月)
新 & Used 2016+ 8.84% 9.15% $625.54 60

利率 effective as of May 1, 2024and subject to change without notice. Each individual's Annual Percentage 率 (4月) is determined by the applicant's credit history. Not all applicants will qualify for the displayed lowest rates. A $160 processing fee and a $65 Vendor Single 感兴趣 (VSI) fee apply to all booked motorcycle and ATV loan applications. Motorcycle and ATVs 2016 or newer — 4月 calculation and example monthly payments based on loan amount of $30,000, FICO® score of 730 or greater, and term of 60 months. 率 includes 0.25% reduction for automated payments from an 元素 checking account. Additional conditions may apply. Subject to credit approval. 支付 shown do not include taxes and insurance premiums. 

Motorcycle & ATV贷款

Finance up to 90% of your new or used purchase.


  • 利率 as low as 8.84% 4月 for 60 months
  • Finance up to 90% of your motorcycle or ATV's value plus sales tax and licensing fees
  • 利率 are the same for new or used motorcycles and ATVs
  • Flexible terms to fit your budget, up to 84 months
  • Motorcycle and ATV loan refinancing is also available


  • Closings typically in as quick as one business day


How does an Motorcycle or ATV贷款 work?

Man riding a motorcycle

We will loan you the money for a new or used motorcycle or ATV, and you will pay it back with interest over a specified period of time.

It’s good to plan ahead by getting preapproved for your Motorcycle or ATV贷款. That way you can have a better idea of what price range you should be shopping for. Being preapproved also gives you good negotiating power with the seller.

元素 can finance up to 90% of your motorcycle or ATV’s value, including tax and license. It’s a good idea, though, to put down at least 20% of the purchase price. Of course, the more you pay up front, the lower your monthly payment will be.

When you’re considering two wheels versus four or an all-terrain vehicle, you can count on 元素 for financing.

Get Started

What are the fees?

Couple on a motorcycle

There are no prepayment penalties or an annual fee associated with a Motorcycle or ATV贷款.

元素 motorcycle and ATV loans include a low $160 processing fee and a $65 Vendor Single 感兴趣 (VSI) insurance fee. VSI insurance protects the lender, but not the borrower, in the event that the vehicle is damaged or destroyed.

Refinancing of an existing 元素 loan has an additional $200 fee.

How do I get the funds once my loan is approved?

Friends having fun on ATVs

If approved, funds will be made available to the dealer directly.

Does 元素 offer loan or asset protection coverage?

是的. As your financial wellness providers, we want to 使 sure that you’re covered, no matter what may happen. That’s why we provide loan and asset protection programs. It’s just one more way that we look out for your best interests.

To protect your purchase, the following programs are available and can be wrapped into your monthly payments:

  • Guaranteed 汽车 Protection (GAP) is protection designed to eliminate your unpaid net loan or lease balance in the event your vehicle is stolen or damaged beyond repair. Learn more.
  • Debt Protection protects your credit rating during uncertain and stressful times. Your loan payment will be cancelled or suspended for a period of time without penalty, added interest, or being reported as delinquent to the credit bureau when a covered event occurs. Covered events include death, disability, involuntary unemployment, family leave and hospitalization. Learn more.

Why should I go to 元素 for my Motorcycle or ATV贷款?

A woman paying with her cell phone

Like a Bank, Only Better!

Better 利率. Fewer Fees.

Because we’re a credit union, we return profits to members in the form of reduced fees, higher savings rates and lower loan rates.

Trusted 建议. Fresh Approach.

We pride ourselves in being a trusted source for financial education. Your financial wellness expert will come to your workplace to answer questions and provide you with 1-on-1 assistance as you navigate the changes that come with each of life's stages.

Respected Locally. Accessed Globally.

Headquartered in Indianapolis since 1930, we rank among the top 3% of credit unions nationally1. We serve members in all 50 states and 50+ countries. You’ll have access to 5,000+ shared branches nationwide and 78,000+ surcharge-free ATMs globally.

High Tech. Human Touch.

Our technology 使s banking with 元素 easy. From quick digital applications to online and mobile banking, we’ll be by your side wherever you go. We’re here for you with member service available 24/7 and live chat during the workday.

Get Started

How do I apply?

Screenshot of 元素 online application

3 Easy Steps to Apply

  1. Apply online - You can apply online in as little as 15 minutes! Submit your application online anytime or call 1-800-621-2105 to get started. Have ready your government-issued ID (driver’s license, state ID, or passport) and proof of residence.
  2. Take our call - We'll contact you within one business day after you submit your application to go over what documentation we'll need and to answer your questions. We’ll also ask for your boat’s value, 使, 模型, 一年, 里程, and VIN if not provided on the application.
  3. That’s it! - We'll contact you with a decision within 1 business day. Once your application is approved, we’ll contact you to sign documents and your loan will be complete!


What Will My Motorcycle/ATV 支付 Be?

Motorcycle/ATV贷款 Calculator


  1. 1 Based on asset size as of 12/31/2022.