Motorcycle & Powersport Loans
Financing for motorcycles, ATVs, and other powersport vehicles.
Rates change. See Current Rates for today’s figures.
What Counts as Powersport
Powersport covers the machines that are not quite cars: motorcycles, ATVs, side by sides, dirt bikes, and similar vehicles. The loan is secured by the vehicle, and terms are generally shorter than a car loan because these vehicles hold value differently.
What You Should Know
Motorcycles
Street, cruiser, touring, and sport bikes.
ATVs and Side by Sides
Off-road machines for work or for weekends.
New or Used
Financing for either, subject to age and condition.
Secured by the Vehicle
The machine is the collateral.
What to Have Ready
Bring proof of income and the details of the machine you are looking at. A Waypoint Credit Union representative will tell you what you can borrow and over what term.
- Proof of income
- The vehicle year, make, and model
- A purchase agreement or bill of sale
Current Rates
Auto Loan
As low as
5.49%APR²
Motorcycle & Powersport
As low as
7.49%APR²
RV, Boat & Camper
As low as
7.99%APR²
APR = Annual Percentage Rate. Rates effective 16 September 2026 and subject to change without notice. Your APR may differ based on credit history, collateral year, term, and loan to value. Not all applicants will qualify for the lowest rate.
Apply for a Vehicle LoanView all vehicle loan rates by model year and term
| Loan Type | Model Year | Term (Months) | APR As Low As |
|---|---|---|---|
| Auto Loan | 2025 & Newer | Up to 66 | 5.49% |
| Auto Loan | 2022 to 2024 | Up to 66 | 5.74% |
| Auto Loan | 2019 to 2021 | Up to 66 | 6.24% |
| Auto Loan | 2015 to 2018 | Up to 66 | 7.24% |
| Auto Loan | 2011 to 2014 | Up to 66 | 8.24% |
| Motorcycle & Powersport | 2025 & Newer | Up to 66 | 7.49% |
| Motorcycle & Powersport | 2022 to 2024 | Up to 66 | 7.74% |
| Motorcycle & Powersport | 2019 to 2021 | Up to 66 | 8.24% |
| Motorcycle & Powersport | 2015 to 2018 | Up to 66 | 9.24% |
| Motorcycle & Powersport | 2011 to 2014 | Up to 66 | 10.24% |
| RV & Camper | 2025 & Newer | Up to 72 | 7.99% |
| RV & Camper | 2022 to 2024 | Up to 72 | 8.24% |
| RV & Camper | 2019 to 2021 | Up to 72 | 8.74% |
| RV & Camper | 2015 to 2018 | Up to 72 | 9.74% |
| RV & Camper | 2011 to 2014 | Up to 72 | 10.74% |
Good to Know
Dealership purchases only
Waypoint finances powersport purchases through a dealership. A private-seller purchase is not eligible.
Talk it through with someone who lends here.
Local decisions. No obligation.
A short conversation before you apply tells you what you can realistically borrow and what it will cost in total. Book a time at any Waypoint branch, or start online and we will pick it up from there.
Important Disclosures
APR = Annual Percentage Rate. Rates are accurate as of 16 September 2026 and are subject to change without notice. Your APR may differ based on credit history, credit worthiness, collateral year, term of loan, loan to value, and fees that may constitute finance charges. Not all applicants will qualify for the lowest rate. Your actual APR will be included in the initial Truth in Lending disclosure.
Auto loan payment example: for a loan amount of $25,000 with an APR of 5.49% over a term of 66 months, the estimated monthly payment would be $439.71.
Motorcycle and powersport payment example: for a loan amount of $25,000 with an APR of 7.49% over a term of 66 months, the estimated monthly payment would be $463.31.
Recreational vehicle payment example: for a loan amount of $25,000 with an APR of 7.99% over a term of 72 months, the estimated monthly payment would be $438.21.