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 Loan?

We treat motorcycle loans the same as a new or used car loan.

  1. Simply fill out our online application or stop into one of our branches in Tupper Lake, Plattsburgh, or Potsdam.
  2. 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!

Apply for a Motorcycle or ATV Loan Online

Current Motorcycle & ATV Loan Rates

Loan Type Term APR* starting at
New Vehicles 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 Vehicles 36 Months 6.00%
48 Months 6.50%
60 Months 6.75%
72 Months 7.00% (over $30,000)

Adirondack regional federal credit union member with his new ATV at home after getting an ATV loan

A Breath of Fresh Air

What are you waiting for? A simple application is all that stands between you and a new motorcycle or ATV. Get started online or stop into the nearest Adirondack Regional FCU branch and start feeling the fresh North Country air in your face today!

Motorcycle & ATV Loan Calculator

No need to guess how much your upcoming motorcycle or ATV loan payment will be! Simply fill in the blanks to find your estimated loan rate. Adirondack Regional FCU will then estimate how much your monthly motorcycle or loan payment will be, based on the provided information.
Apply for a Motorcycle or ATV Loan Online


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.