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 2019 Used 2018-2016 Used 2015-2013 8 Years or Older
725-850 2.99% APR 3.75% APR 4.25% APR 4.75% APR 5.50% APR
690-724 3.50% APR 4.00% APR 4.50% APR 5.00% APR 6.00% APR
650-689 5.25% APR 5.75% APR 6.25% APR 6.75% APR 7.50% APR
625-649 9.00% APR 9.50% APR 10.00% APR 11.50% APR 12.50% APR
<624 or None** 11.50% APR 12.00% APR 12.50% APR 13.50% APR 14.50% APR

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

Fair Isaac Risk Score Never Titled Used 2019 Used 2018-2016 Used 2015-2013 8 Years or Older
725-850 3.99% APR 4.25% APR 4.75% APR 5.25% APR 6.25% APR
690-724 4.50% APR 4.75% APR 5.25% APR 5.50% APR 6.75% APR
650-689 5.25% APR 6.00% APR 6.50% APR 7.00% APR 7.50% APR
625-649 9.25% APR 10.00% APR 11.25% APR 12.00% APR 13.50% APR
<624 or None** 12.50% APR 13.00% APR 13.75% APR 14.25% APR 14.95% 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

Motorcycle, Boat, Watercraft, & ATV Loans

6 Years 5 Years w/ max $15,000
  • 106% of retail value
  • Model year: New-Never Titled
  • FICO score 700 or higher
  • 90% of retail value            w/ FICO score of 699-675
  • 80% of retail value (674 or lower)
  • Model years: 2013-2019
Maximum term 72 Months

  • 100% of retail value
  • Model years 2012 or earlier
  • FICO score 700 or higher
Maximum term 60 Months 

  • 90% of retail value
    Model years 2012 or earlier
    w/ FICO score below 675-699
  • 80% of retail value w/ score 674 or lower

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:

adminMotorcycle Loans