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Routing # 211885946

Motorcycle Loans

Finance your dream motorcycle with competitive rates, flexible terms up to 84 months, and no down payment required. Whether you're looking for a cruiser, sport bike, or touring motorcycle, we've got you covered

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Whether it's your daily commute or weekend adventure, we offer motorcycle financing for all types of bikes

Why Choose Pioneer Valley Credit Union for Your Motorcycle Loan?

Competitive Rates

  • Low Rates
  • Fixed rates for predictable payments
  • Better rates than dealer financing
  • Special discounts for members

Flexible Terms

  • Terms up to 84 months
  • No prepayment penalties
  • Finance up to 90% of value
  • Used motorcycle loans available

Easy Process

  • Quick online application
  • Instant pre-approval available
  • No application fees
  • GAP insurance available

CALCULATE YOUR PAYMENT

How to Apply for Your Motorcycle Loan

1

Get Pre-Approved

Complete our quick online application or call us for instant pre-approval. Know your budget before you shop.

2

Shop for Your Bike

Find your perfect motorcycle from any dealer or private seller. We finance new and used motorcycles.

3

Complete Purchase

We'll handle the paperwork and send payment directly to the seller. Start riding in as little as 24 hours!

Motorcycle Loan FAQs

What documents do I need to apply for a motorcycle loan?

You'll need: valid driver's license with motorcycle endorsement, proof of income (pay stubs or tax returns), proof of insurance, and the motorcycle's VIN, make, model, year, and mileage. For refinancing, you'll also need your current loan information.

Can I get pre-approved before shopping for a motorcycle?

Yes! We offer motorcycle loan pre-approval so you know exactly how much you can spend before you shop. Pre-approval is valid for 30 days and gives you negotiating power at the dealership.

Do you finance used motorcycles?

Yes, we finance both new and used motorcycles. Used motorcycle loan rates vary based on the age of the bike and your creditworthiness. We finance motorcycles up to 18 years old.

Can I refinance my current motorcycle loan?

Absolutely! Refinancing your motorcycle loan with us could lower your monthly payment or help you pay off your loan faster. We'll pay off your existing loan and set up new terms that work better for you.

What's the minimum credit score for a motorcycle loan?

We consider all credit scores and look at your overall financial picture. While better credit scores qualify for lower rates, we work with members across the credit spectrum to find financing solutions.

Ready to Apply for Your Motorcycle Loan?

Get instant approval and competitive rates. Our loan specialists are here to help!

Call 1-413-733-2800

Or visit any of our branch locations

Financing up to 90% of NADA retail value for new and pre-owned.  Annual Percentage Rate (APR) quoted based on our A+ credit tier.  Rates subject to change.  Rates may be higher depending on your individual credit score and qualifications.  Subject to credit approval.

The rate may vary depending on each individual’s credit profile and loan term. Minimum loan amount $5,000 with 10% down payment

Value based on National Automobile Dealers Association (NADA) Value retail value or MSRP

Purchased Debt Protection, GAP and Warranty coverage are at borrowers’ cost and responsibility.

Not all will qualify for the lowest rate