Motorcycle Loans

Highway Federal Credit Union offers members the ability to borrow money for nearly any purpose at attractive rates.

Motor Cycle Loans

Used Vehicles – 36 months or less – 90% Financing**

Fair Isaac Risk Score Never Titled Used 2018 2017-2012
725-850 2.99% APR 3.99% APR 5.49% APR
690-724 4.99% APR 5.99% APR 7.99% APR
650-689 7.99% APR 8.99% APR 9.99% APR
625-649 9.99% APR 10.99% APR 11.99% APR
<624 or None** 11.99% APR 12.99% APR 13.99% APR

Used Vehicles – 37 Months (Up To 72) – 90% Financing**

Fair Isaac Risk Score Never Titled Used 2018 2017-2012
725-850 2.99% APR 3.99% APR 5.49% APR
690-724 4.99% APR 5.99% APR 7.99% APR
650-689 7.99% APR 8.99% APR 9.99% APR
625-649 9.99% APR 10.99% APR 11.99% APR
<624 or None** 11.99% APR 12.99% APR 13.99% APR

 

Fair Isaac Score Variables

Current home owner, add 15 points
Debt ratio lower than 45%, add 10 points
Same profession for 5 years, add 5 points
Direct Deposit, add 15 points

Past due amounts, subtract 15 points
debt ratio over 45%, subtract 10 points
Delinquent on more than 1 loan, subtract 10 points
Public Records, subtract 30 points

 

Maximum Loan Amount = $50,000.00

Motorcycle, Boat, Watercraft, & ATV Loans

6 Years 5 Years w/ max $15,000
106% of retail value
FICO score of 700 or above
Model years: New -Never Titled
100% of retail value
FICO score of 699-670
Model years: New -Never Titled
Maximum term 48 Months

80% of retail value w/ max $12,000.00
Model years 2005 or earlier
w/ FICO score below 669

Maximum term 48 Months 

80% of retail value w/ max $9,000.00
Model years 2005 or earlier
w/ FICO score below 669
Model years: New -Never Titled

All rates on this site are subject to change with or without notice. Rates on Web Site do not necessarily reflect current rates, although we do our best to keep the site updated. Please call us directly or come visit to confirm any terms and all rates.

 Click here for a loan application that you may print out.

We also are offering a special rate on our Visa Credit card of 6.99% on new purchases. Offer subject to change without notice.

To determine your monthly loan payment, please enter the following information in our loan calculator:

  • The amount you wish to borrow
  • The number of years to pay back the loan
  • The interest rate for the type of loan you would like

The total shown is your estimated monthly loan payment.

Loan:
Interest rate:
Years:

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