Motorcycle Loans
Motorcycle Loans
Speed. Adrenaline. Freedom. We know that owning a motorcycle is more than just cruisin’ the open road; it’s a way of life. It’s not about finding the bike you want, it’s about finding the one you need. So, when you’re ready to hop on the bike of your dreams, consider an OE Federal Motorcycle Loan.
- Terms From 48 to 84 Months
- New or Used Motorcycles
- AutoSMART Shopping Tool
- Purchase from Dealer or Private Party
- No Prepayment Penalties
New Motorcycles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.49% to 17.24% |
| 49-60 months 4 | 4.99% to 17.24% |
| 61-72 months 5 | 5.49% to 17.24% |
| 73-84 months 6,9 | 6.49% to 8.99% |
| 85-120 months7,9 | 6.99% to 9.24% |
| 121-180 months8,9 | 7.24% to 9.49% |
LOAN TYPE
Current or prior calendar year with less than 7,500 miles
MAXIMUM AMOUNT
Up to 100% of Clean Retail Value or MSRP. Includes license fee, warranty, and sales tax.
Loan Payment Example: $22.80 per month per $1,000 borrowed at 4.49% APR for 48 months 4
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $10,000 | 6 Minimum loan amount $15,000 |
7 Minimum loan amount $35,000 | 8 Minimum loan amount $50,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of October 1st, 2021.
Used Motorcycles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.49% to 17.24% |
| 49-60 months 4 | 4.99% to 17.24% |
| 61-72 months 5 | 5.49% to 17.24% |
| 73-84 months 6,9 | 6.49% to 8.99% |
| 85-120 months 7,9 | 6.99% to 9.24% |
| 121-180 months 8,9 | 7.24% to 9.49% |
LOAN TYPE
15 model years or newer only
MAXIMUM AMOUNT
Up to 100% of Clean Retail Value or MSRP. Includes license fee, warranty, and sales tax.
Loan Payment Example: $22.80 per month per $1,000 borrowed at 4.49% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $10,000 | 6 Minimum loan amount $15,000 |
7 Minimum loan amount $35,000 | 8 Minimum loan amount $50,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of October 1st, 2021.
Related Products and Services
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Learn MoreNew Motorcycles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.49% to 17.24% |
| 49-60 months 4 | 4.99% to 17.24% |
| 61-72 months 5 | 5.49% to 17.24% |
| 73-84 months 6,9 | 6.49% to 8.99% |
| 85-120 months7,9 | 6.99% to 9.24% |
| 121-180 months8,9 | 7.24% to 9.49% |
LOAN TYPE
Current or prior calendar year with less than 7,500 miles
MAXIMUM AMOUNT
Up to 100% of Clean Retail Value or MSRP. Includes license fee, warranty, and sales tax.
Loan Payment Example: $22.80 per month per $1,000 borrowed at 4.49% APR for 48 months 4
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $10,000 | 6 Minimum loan amount $15,000 |
7 Minimum loan amount $35,000 | 8 Minimum loan amount $50,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of October 1st, 2021.
Used Motorcycles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.49% to 17.24% |
| 49-60 months 4 | 4.99% to 17.24% |
| 61-72 months 5 | 5.49% to 17.24% |
| 73-84 months 6,9 | 6.49% to 8.99% |
| 85-120 months 7,9 | 6.99% to 9.24% |
| 121-180 months 8,9 | 7.24% to 9.49% |
LOAN TYPE
15 model years or newer only
MAXIMUM AMOUNT
Up to 100% of Clean Retail Value or MSRP. Includes license fee, warranty, and sales tax.
Loan Payment Example: $22.80 per month per $1,000 borrowed at 4.49% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $10,000 | 6 Minimum loan amount $15,000 |
7 Minimum loan amount $35,000 | 8 Minimum loan amount $50,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of October 1st, 2021.
Frequently Asked Questions
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What is considered a new motorcycle?
We consider a new motorcycle to be either the current or previous year’s model with a max of 7,500 miles.
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How old of a motorcycle can I finance?
10 model years or newer only.
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What will my rate be on a motorcycle loan?
Rates vary depending on your credit and the length of the loan.
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What is a down payment?
A down payment is the amount of money you pay upfront and out-of-pocket when making your initial purchase, reducing the amount of the loan you’ll need.
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Is a down payment required?
Depending on your credit and the value of the vehicle, a down payment may be required.
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Can I purchase from a private seller?
Yes, you may purchase a motorcycle from a private seller.
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Can I purchase a dirt bike with a Motorcycle Loan?
No. We do finance dirt bikes; however, you’ll need to apply for our Powersport Loan rather than a Motorcycle Loan.
Apply for a Powersport Loan here.
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What is AutoSMART?
AutoSMART is a shopping tool that is designed to help our members find the best vehicle for their needs. You can search motorcycle inventory and prices nationwide under “Specialty Vehicles.”
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Can I bring my motorcycle loan from another financial institution to OE Federal?
Of course! If you’re looking to reduce your rate, lower your payment, or simply want to move your loan over to OE Federal for convenience, refinancing may be a great option.
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Is there a fee to refinance?
The DMV may charge a transfer fee; however, OE Federal does not charge any additional fees to refinance your motorcycle.