Purchasing a motorcycle or ATV of your own may seem out of reach, but it’s not! When you work with Adirondack Regional Federal Credit Union, our quick and easy motorcycle loan process will get you out on the road with amazing rates that you won’t find at a dealer.
How Do I Apply for a Motorcycle or ATV Loan?
We treat motorcycle loans the same as a new or used car loan.
- Simply fill out our online application or stop into one of our branches in Tupper Lake, Plattsburgh, or Potsdam.
- Find out if you are approved.
It is as simple as that! Because we are a small locally owned credit union, the same person that handles your motorcycle loan paperwork is the person that will determine if your loan will be approved. Unlike the big banks, our loan process is quick and easy. You usually have an answer within 24 hours! Even better, if we are your primary financial institution, you’ll save another 0.25% off our already amazing loan rates!
Current Motorcycle & ATV Loan Rates
| Loan Type | Term | APR* starting at |
|---|---|---|
| New Motorcycles | 36 Months | 5.75% |
| 48 Months | 6.00% | |
| 60 Months | 6.25% | |
| 72 Months | 6.75% | |
| 84 Months | 7.00% (over $35,000) |
| Loan Type | Term | APR* starting at |
|---|---|---|
| Used Motorcycles | 36 Months | 6.00% |
| 48 Months | 6.50% | |
| 60 Months | 6.75% | |
| 72 Months | 7.00% (over $30,000) |
| Loan Type | Term | APR* starting at |
|---|---|---|
| ATVs (2022/Newer) | 36 Months | 7.75% |
| 48 Months | 8.00% | |
| 60 Months | 8.25% |
| Loan Type | Term | APR* starting at |
|---|---|---|
| ATVs (2021/Older) | 48 Months | 8.25% |
Vehicle Loan Calculator
FAQs
One of the benefits of working with a local credit union is we make the process as simple as possible, no matter what type of vehicle you are seeking. A simple application is all it takes whether you are seeking an ATV loan, a new commercial truck for your business, or a personal loan for when the finances get tight.
No down payment? No problem! We can finance 100% of the cost of your motorcycle or ATV, including sales tax, as long as you are paying market value!
All our vehicle loans are available with no early pay-off penalties. This means you can pay your loan off as quickly as your personal finances allow without incurring additional charges.