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Motorcycle & ATV Loan

When you need to fund some fun.

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Motorcycle & ATV Loan Interest Rate  APR  Monthly Payment Loan Term (Months)
New & Used 2014+ 6.24% 6.45% $603.56 60

Rates effective as of October 1, 2020and subject to change without notice. Each individual's Annual Percentage Rate (APR) is determined by the applicant's credit history. Not all applicants will qualify for the displayed lowest rates. A $140 processing fee applies to all Motorcycle and ATV loan applications. Motorcycle and ATVs 2014 or newer — APR calculation and example monthly payments based on loan amount of $30,000, FICO® score of 730 or greater, and term of 60 months. Rate includes 0.25% deduction for automated payments from an Elements checking account. Additional conditions may apply. Subject to credit approval. Payments shown do not include taxes and insurance premiums. 

Motorcycle & ATV Loan


  • A minimum of 10% cash down may be required
  • Multiple terms available, up to 84 months
  • Finance up to 90% of the value of your motorcycle or ATV, including tax and license
  • Apply in just minutes


  • New and used motorcycle and ATV rates are the same for new or used
  • Rates as low as APR for 60 months


Our experienced, helpful member service team is ready to support you!


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Motorcycle & ATV Loan


When you’re considering two wheels versus four or an all-terrain vehicle, you can count on Elements for financing. Our Motorcycle Loans program features low rates.

Loan & Asset Protection


As your financial wellness providers, we want to make sure that you’re covered, no matter what may happen. That’s why we provide loan and asset protection programs. It’s just one more way that we look out for your best interests.

To protect your purchase, the following programs are available and can be wrapped into your monthly payments:


Guaranteed Auto Protection (GAP) is Loan/Lease Deficiency protection designed to eliminate your unpaid net loan/lease balance in the event your vehicle is stolen or damaged beyond repair.


Debt Protection protects your credit rating during uncertain and stressful times. Your loan payment will be cancelled or suspended for a period of time without penalty, added interest, or being reported as delinquent to the credit bureau when a covered event occurs. Covered events include death, disability, involuntary unemployment, family leave and hospitalization.


How to Get Started


Ready to hit the water? You can apply online in as little as 15 minutes! Or call 1-800-621-2105 to get started.

What you’ll need to apply:

  • Your government-issued ID (driver’s license, state ID or passport)
  • Proof of residence

What to expect during the application process:

  1. We’ll contact you no later than 1 business day after you submit your application to review documentation that we’ll need from you and answer questions you may have.
  2. We’ll follow up for the motorcycle or ATV's value, make, model, year, mileage and VIN if not provided on the application.
  3. We’ll contact you to sign documents if your application is approved.
  4. That’s it – your loan is complete!

What Will My Motorcycle/ATV Payments Be?

Motorcycle/ATV Loan Calculator


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