Motorcycle Loans

Recreational Loans

Motorcycle Loans

Your open road adventures start here.

Turn your dream bike into a reality with a Listerhill Credit Union motorcycle loan. Whether you're buying new or used, our financing makes it easy to get behind the handlebars, with payments that fit your budget and your lifestyle. Our motorcycle loans offer competitive features including financing for new and used motorcycles, low interest rates, no application fees — ever, the option to borrow 100% of the motorcycle's cost, and flexible repayment terms to fit your budget.

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Enjoy some of the lowest motorcycle financing rates available, thanks to our not-for-profit status.

Get preapproved for your motorcycle loan online in just a few steps.

Discover your personalized rate and term options without any application costs.

Finance your entire motorcycle purchase with no down payment required.

Choose a term that fits your budget with loan terms of up to 72 months.

Make your monthly payments through Online or Mobile Banking, automatic payments, or at your local branch.

Unbeatable Rates

Enjoy some of the lowest motorcycle financing rates available, thanks to our not-for-profit status.

Easy Preapproval

Get preapproved for your motorcycle loan online in just a few steps.

Zero Application Fees

Discover your personalized rate and term options without any application costs.

Borrow Up To 100%

Finance your entire motorcycle purchase with no down payment required.

Flexible Terms

Choose a term that fits your budget with loan terms of up to 72 months.

Convenient Payment Options

Make your monthly payments through Online or Mobile Banking, automatic payments, or at your local branch.

Everything You Need to Know About Our Motorcycle Loans

At Listerhill, it's about more than just competitive rates and flexible terms. We're committed to helping you navigate every step of the financing process so you can make a confident decision that fits your lifestyle and budget.

What Sets Our Motorcycle Financing Apart?

Competitive Rates
As a credit union, we serve our members—not shareholders. That means lower rates, fewer fees, and more personalized service.

Easy Preapproval Process
Get preapproved online before you start shopping so you know exactly what you can afford and can shop with confidence.

Simple Online Application
Apply from the comfort of your home with our streamlined online application and receive a quick loan decision.

100% Financing Available
Finance the full purchase price of your motorcycle with no down payment required.

Flexible Insurance Options
Protect your new ride with affordable motorcycle insurance solutions available through our trusted partner, TruStage Insurance.

Ready to hit the open road? Let Listerhill help you secure financing that fits your needs and gets you riding sooner.

Motorcycle Loans Current Rates

Effective 8/1/2026

New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000

APR as low as (%): 8.24%

Term (Months/Years): 84 months

New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000

APR as low as (%): 7.24%

Term (Months/Years): 75 months

New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000

APR as low as (%): 6.99%

Term (Months/Years): 60 months

New Motorcycle or ATV/UTV

APR as low as (%): 7.74%

Term (Months/Years): 75 months

New Motorcycle or ATV/UTV

APR as low as (%): 6.99%

Term (Months/Years): 60 months

Used Motorcycles or ATV/UTV

APR as low as (%): 7.99%

Term (Months/Years): 60 months

All Recreational Loan rates, APRs, and terms are subject to change without notice. Membership eligibility is required. All loans are subject to credit approval. Actual rate and APR will be based on the borrower's creditworthiness. Additional loan terms may be available based on collateral type, loan amount, and credit qualifications. Additional eligibility requirements, terms, and restrictions may apply. Contact a Listerhill member advocate or loan officer for complete details. APR = Annual Percentage Rate.

Relationship pricing discounts are available on eligible recreational loans when requested within thirty (30) days of loan origination. Approved borrowers may qualify for a 0.25% APR reduction for each of the following: opening an Everyday or Growth Checking account; establishing direct deposit to a new or existing Listerhill account; setting up automatic payments for a new or existing Listerhill loan account; opening a Listerhill Visa® Signature Rewards or Visa® Platinum credit card; and/or refinancing a loan from another financial institution with Listerhill. Discounts may be combined for a maximum total reduction of 1.00% APR. The discounted APR cannot be reduced below 6.00% APR. Existing Listerhill loans are not eligible for refinance discounts. Offer cannot be combined with any other promotion. Additional eligibility requirements and restrictions may apply. Visit listerhill.com/relationship for complete details.

Apply for Your Motorcycle Loan Preapproval in 3 Easy Steps

Step

1

Apply Online
Click the button below to complete your online application.

Step

2

Accept Your Preapproval Offer
Agree to the loan amount, rates, and terms offered.

Step

3

Get a Check
Use your check to buy your motorcycle and start your open road adventures!

★★★★★

“Great place to get loans, questions answered, transactions done and friendly service.”

— Steve H., Florence, AL.

Motorcycle Loan FAQs

Help Center

What does Annual Percentage Rate (APR) mean?

The Annual Percentage Rate or APR represents the total annual cost of your loan, including both the interest rate and any applicable fees. It provides a fuller picture of what you’ll actually pay over the life of your loan. When comparing loan offers, the APR makes it easier to determine which option is the best fit for your budget.

What credit score do you need to get a motorcycle loan?

We ask that you have a credit score of at least 660. That said, there isn’t a one-size-fits all number. We’ll review your whole financial picture and credit history when considering your motorcycle loan. Even if your credit is less than perfect, we may still be able to help.

What is the average term for a motorcycle loan?

On average, motorcycle loan terms range from 60 to 72 months. Shorter terms often come with lower interest rates, while longer terms may offer more affordable monthly payments. You can use our motorcycle loan calculator to see which term best fits your budget.

Keep in mind: You can choose a shorter term, but at Listerhill, we don’t finance motorcycles for more than 72 months.

Is $2,000 a good down payment for a motorcycle?

Yes, a $2,000 down payment can be a great start, especially if you’re financing a used motorcycle or aiming to lower your monthly payments. We offer 100% financing, which means we’ll finance the full cost of your motorcycle without the need of a down payment. However, putting money down can help you qualify for better rates and get you lower monthly payments.

Can I finance a motorcycle with no credit history?

Financing a motorcycle without a credit history can be challenging—but it’s not impossible. You may still qualify by applying with a co-signer or making a larger down payment.

Even if you could be eligible, we recommend building some credit history first to help you qualify for better rates. Not sure where to start? Contact us, we’re here to help you take those first steps toward building credit and improving your overall financial wellness.

Is it hard to get approved for motorcycle financing?

At Listerhill, getting approved for a motorcycle loan isn’t any harder than financing other types of vehicles. Approval depends on a few key factors, like your credit score, income, and debt-to-income ratio.

We review each application individually and offer loan options that make sense for your financial situation. Our goal is to set you up for success—and help you finance your next adventure.

Additional Products

Credit Life & Credit Disability Insurance

In the event of an emergency, safeguard your family through optional loan payment protection.

Auto Insurance

We have partnered with TruStage Insurance to give our members discounted rates on Auto, Home, & Life Insurance.

What’s It Worth?

Get pricing and information on new cars, used cars, classic cars, motorcycles, RVs, and manufactured homes from the NADA.

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