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Motorcycle Loans

Get your motor runnin’ because your adventure on the open road begins here!

Apply for a Loan

Whether it’s a chopper, scooter, or dirt bike – we’ve got U covered!

Your motorcycle is more than a method of transportation to get you from here to there. It’s a lifestyle, and at UMe, we get that! Best of all, we’ll help you create a payment plan that works for you!

Current Rates

Motorcycle Loans


APR* as low as

*APR is Annual Percentage Rate. Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral.


24 months

APR* as low as



36 months

APR* as low as



48 months

APR* as low as



60 months

APR* as low as



72 months

APR* as low as



84 months

APR* as low as


Ways to pay your loan

  • Payroll Deduction

    If you have a loan with the credit union, payroll deduction is a convenient way to have your loan payments automatically deducted from your paycheck.

    To find out if you’re eligible for payroll deduction, contact your employer’s benefits department. If you already have payroll deduction set up with the credit union and want to set up automatic loan payments, call us at (818) 238-2900.

  • Automatic Transfers

    Automatic transfer allows you to make loan payments on a recurring schedule, from a UMe account or most any other financial institution.

    To set up an automatic transfer, fill out our Share to Loan Transfer Form or give us a call at (818) 238-2900.

Motorcycle Loan Refinancing

Didn’t get such a great deal the first time around? No worries, we may be able to help!

Refinancing with UMe is pretty awesome because we’re all about community and being your partner, moreso than financial gain. There’s a ton of great benefits that come with refinancing through us, like:

  • Lower monthly payments
  • Reduced interest rates
  • Better terms
  • Add or remove a signer from an existing loan
illustration of a motorcycle and some coins

Interested in cashing out?

If you have equity in your motorcycle (i.e. your motorcycle’s value is greater than your outstanding balance), you can “cash out” by refinancing your motorcycle loan. This will give you access to a cost-effective source of money at a low, fixed rate.

Example: If your current motorcycle is worth $15,000 according to J.D. Power, but you only owe $12,000 on your existing loan, we will refinance your loan for the $12,000 balance AND fund an additional $3,000.

You can then use the extra cash for anything—from paying off high-rate debt to taking a much-needed vacation. You’re the boss!

Illustration of a form and a money bag

Motorcycle Loan FAQs

Here at UMe, we offer motorcycle loans up to 84 months, so you can choose the loan term that’s best for you.

Easy! Give us a call at (818) 238-2900, visit our branch, or apply online.

GAP stands for Guaranteed Asset Protection and pays the difference between what you owe and what your insurance company will pay — filling the gap!

When you purchase a vehicle, it depreciates the moment you drive it away. So, if your vehicle is stolen, or totaled in an accident, you could end up owing more than the vehicle is worth. GAP Insurance coverage is designed to pay the difference between the insurance settlement and the loan balance, so you don’t owe money for a vehicle you no longer have.

To make things super simple and stress-free, we will make sure you get all the extra info you need before you start paying for any GAP insurance coverage. Plus, you can cancel GAP at any time. If you cancel your GAP within 90 days, you can get a full refund.

Ready to twist the throttle?

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