Adventure motorcycle rider cruising down a scenic desert highway, illustrating freedom with a motorcycle loan.

Motorcycle Loans

Ready to hit the road on two wheels? Our Motorcycle Loans offer competitive interest rates, flexible terms and affordable payments to help you finance the bike you’ve been dreaming about. Apply today and experience the freedom of the open road.¹

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Motorcycle Loan Benefits

Our Motorcycle Loans make financing simple, affordable and flexible so you can spend more time enjoying the ride. Benefits include:

Competitive Rates

Lower rates help reduce your monthly payment and the total interest paid over the life of the loan.

Flexible Terms

Choose the repayment option that best fits your budget and financial goals with terms ranging from 12 to 84 months.

Finance New & Used Motorcycles

Finance new and used motorcycles, depending on age, mileage and condition.

Fast & Simple Online Application

Apply for your motorcycle loan online in minutes from anywhere, anytime.

Man riding a touring motorcycle on a highway

Motorcycle Loan Rates

We believe in transparent lending. While rates, terms and conditions are subject to change, this table provides a general overview of our lowest available rates by credit tier.

See below for more info on how to read this chart and for definitions of key terms.

Motorcycle Loan Rates by Credit Score

Age	LTV	60 Month Term	72* Month Term	84* Month Term	120* Month Term
2021 & Newer	≤70%	7.50%	7.80%	8.50%	9.50%
2021 & Newer	≤90%	7.85%	8.15%	8.85%	9.85%
2021 & Newer	≤110%	8.10%	8.40%	9.10%	10.10%
2015 - 2020	≤70%	8.75%	9.05%	9.75%	10.75%
2015 - 2020	≤90%	9.10%	9.40%	10.10%	11.10%
2015 - 2020	≤110%	9.35%	9.65%	10.35%

Rates are effective as of August 24, 2026

Age	LTV	60 Month Term	72* Month Term	84* Month Term	120* Month Term
2021 & Newer	≤70%	7.90%	8.20%	8.90%	10.40%
2021 & Newer	≤90%	8.25%	8.55%	9.25%	10.75%
2021 & Newer	≤110%	8.50%	8.80%	9.50%	11.00%
2015 - 2020	≤70%	9.15%	9.45%	10.15%	11.65%
2015 - 2020	≤90%	9.50%	9.80%	10.50%	12.00%
2015 - 2020	≤110%	9.75%	10.05%	10.75%

Rates are effective as of August 24, 2026

Age	LTV	60 Month Term	72* Month Term	84* Month Term	120* Month Term
2021 & Newer	≤70%	8.50%	8.80%	9.50%	11.25%
2021 & Newer	≤90%	8.85%	9.15%	9.85%	11.60%
2021 & Newer	≤110%	9.10%	9.40%	10.10%	11.85%
2015 - 2020	≤70%	9.75%	10.05%	10.75%	12.50%
2015 - 2020	≤90%	10.10%	10.40%	11.10%	12.85%
2015 - 2020	≤110%	10.35%	10.65%	11.35%

Rates are effective as of August 24, 2026

Age	LTV	60 Month Term	72* Month Term	84* Month Term	120* Month Term
2021 & Newer	≤70%	9.50%	9.90%	10.80%	12.80%
2021 & Newer	≤90%	9.85%	10.25%	11.15%	13.15%
2021 & Newer	≤110%	10.35%	10.75%	11.65%	13.65%
2015 - 2020	≤70%	10.75%	11.15%	12.05%	14.05%
2015 - 2020	≤90%	11.10%	11.50%	12.40%	14.40%
2015 - 2020	≤110%	11.60%	12.00%	12.90%

Rates are effective as of August 24, 2026

Age	LTV	60 Month Term	72* Month Term
2021 & Newer	≤70%	11.00%	11.60%
2021 & Newer	≤90%	11.40%	11.95%
2015 - 2020	≤70%	12.25%	12.85%
2015 - 2020	≤90%	12.65%	13.20%

Rates are effective as of August 24, 2026

Age	LTV	60 Month Term
2021 & Newer	≤70%	18.25%
2021 & Newer	≤90%	19.00%
2015 - 2020	≤70%	19.50%
2015 - 2020	≤90%	20.25%

Rates are effective as of August 24, 2026

More Info:

⚖️ LTV is your Loan-to-Value Ratio, which compares the amount you're borrowing to the value of the collateral. The lower the better!

📅 Loan Term is the length of time you'll repay the loan, usually expressed in months.

📈 Credit Score is a number between 300 and 850 that reflects your ability to repay a loan. Find out more about credit scores' five key factors, or log into online banking to check your current score.

✅ Extended warranties are not available for motorcycle loans. GAP insurance is available.

🏍️ *For a 72-month term, the amount financed must equal or exceed $15,000. For an 84-month term, the amount financed must equal or exceed $25,000. For a 120-month term, the amount financed must equal or exceed $50,000.

Why Finance a Motorcycle with Copper State CU?

Whether you’re buying your first motorcycle or upgrading to your dream bike, our Motorcycle Loans are designed to take the hassle out of financing. Features include:

Competitive rates amongst the lowest in AZ
Flexible terms up to 84 months
Zero to no fees

You may also qualify for these exclusive offers:

Financing with 1% cash back.²Receive 1% of your financed amount back after finalizing the loan.
Make no payments for 60 days.³Enjoy extra flexibility with 60 days before your first motorcycle loan payment is due.

Couple riding a motorcycle on a scenic highway.

Motorcycle Loan Calculator

Wondering what your monthly motorcycle costs could look like? Use our Motorcycle Loan payment calculator to estimate your monthly amount and the total interest you may pay over the life of the loan. Then email the results to yourself for easy reference while you shop.

Your actual term and payment will be provided upon acceptance of a Copper State CU loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

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Answers To Some Frequently Asked Questions

What is the typical loan term for a motorcycle?: Credit union motorcycle loan terms typically range from 60 to 120 months. The term you qualify for depends on the motorcycle's age, the loan amount and your credit profile.

How hard is it to get a motorcycle loan?: Getting a motorcycle loan is similar to getting an auto loan. Approval depends on your credit score, income, debts and the type of motorcycle you want to finance.

What credit score do I need for a motorcycle loan?: A minimum credit score of 650 is typically needed for a motorcycle loan. A higher credit score may help you qualify for a lower annual percentage rate (APR) and better terms.

Will applying for a motorcycle loan affect my credit score?: Yes. A hard credit check is typically performed when you apply for motorcycle financing. A hard inquiry may slightly lower your credit score for a few months.

What types of motorcycles can be financed?: Many types of motorcycles can be financed, including cruisers, touring bikes, sport bikes, dual-sport bikes, scooters and trikes.

Can I pay off my motorcycle loan early?: Yes. You can make extra monthly payments or pay off your loan early without penalties.

Can I finance a used motorcycle?: Yes. If you’ve got your eye on a used Harley Davidson, Honda, Yamaha, Kawasaki or BMW, you may be able to finance it with a used motorcycle loan. Loan approval depends on the motorcycle’s age, mileage, condition and your credit profile.

Do I need insurance to finance a motorcycle?: Yes. Proof of motorcycle insurance is required before the loan can be finalized.

Can I use a personal loan to buy a motorcycle?: You’ll likely get a better rate with a motorcycle loan from a credit union. That’s because loans for motorcycles are designed for a specific loan purpose, and they are secured by the motorcycle you are buying. Personal loans typically have higher rates because they are not secured with collateral.

Disclosure

¹All loans subject to approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Membership is required. APR = Annual Percentage Rate. For a 72-month term, the amount financed must equal or exceed $15,000. For an 84-month term, the amount financed must equal or exceed $25,000. For a 120-month term, the amount financed must equal or exceed $50,000. Refinanced motorcycle loans must be from another financial institution. Rates listed are the lowest and highest annual percentage rates available. Actual APRs and term depend on credit history, type of product and our underwriting standards. For each loan request, Copper State CU will determine the LTV (Loan to Value) using MSRP for new vehicles and Kelley Blue Book retail for used vehicles.

²The 1% cash back promotional incentive applies to vehicle purchases or refinances. The minimum financed by Copper State Credit Union must be greater than or equal to $15,000 to qualify for the promotional incentive. Any earned promotional incentive will be reported to the IRS for tax purposes and will be deposited into the member’s primary share account. Promotion ends December 31, 2026. Restrictions may apply. Offer subject to change without notice.

³60 Day No Payments offer subject to change without notice.