Motorcycle Loans

If you are buying a motorcycle, the low rates and flexible terms we offer help to keep your payments affordable. Apply at a branch, online, or at the dealership – wherever is most convenient for you.

Terms up to 7 years¹ on new and used motorcycles. Financing up to 125% of TLTV (total loan-to-value).¹
Get pre-approved before you shop – it’s like having cash in hand. Plus, the 30–day approval lock gives you time to shop for the motorcycle that best fits your personality and lifestyle.
Arrange to have your loan payment automatically deducted from your savings, checking, or tiered money market account and we’ll lower your interest rate by .25%.²
Refinancing your motorcycle loan from another institution could save you hundreds or even thousands of dollars over the life of your loan. Find out how.

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What to Expect When Applying

Motorcycle Loan Rates

New Motorcycle Fixed APR

5.25%

Used Motorcycle Fixed APR

9.70%

View all APRs and disclosures

Dealer Network

Get vehicle financing directly at any of the motorcycle dealers in our partner network. You can also start your application online or in a branch and then finalize at a dealer. Whichever you prefer, you’ll still receive the same low rates and flexible financing terms. Be sure to tell the dealer you want to finance your loan with HVCU, and we’ll send payment directly to them — and also coordinate your title and lien.

View motorcycle dealers in our network

Dealer	Location & Phone
Big Boyz Toyz	Marlboro 845.565.2699
BMG Triumph	Middletown 845.342.2453
Dutchess Recreational Vehicles	Poughkeepsie 845.454.2810
Hudson Valley Motorcycle Sales, Inc	Ossining 914.762.2722
Indian Motorcycle of White Plains	White Plains 914.615.9366
O’Tooles Harley Davidson	Wurtsboro 914.358.1154
Triumph of Westchester	Elmsford 914.358.1154
Woodstock Harley Davidson	Kingston 845.319.6298

Insure & Protect

We offer additional services to insure and protect your motorcycle investment.

Guaranteed Asset Protection (GAP) – Covers the “gap” between your motorcycle’s value and what you owe in the event that your motorcycle is stolen or totaled. GAP does not cover any insurance deductibles, however.
Credit Life & Credit Disability Insurance – Pays your loan balance if you become seriously injured, ill, or pass away.
Hudson Valley Credit Union Insurance Services – Get a complimentary motorcycle insurance review

Useful Resources

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¹ As an example, an 84-month new motorcycle loan with a fixed rate of 4.79% APR would result in a payment of $14.04 for each $1,000 financed.
² Rates that are discounted by .25% include a requirement that loan payments are automatically transferred from your savings, checking, or tiered money market account for the life of the loan. The monthly payment is not decreased as a result of this discounted rate. Excludes Personal Assistance Loans.

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