Motorcycle cruising down open road
Getting a

Motorcycle Loan

is Easier Than Ever with Peach State!

Start Your Application Here

Motorcycle Loan Features

Whether you're looking to purchase a new motorcycle or refinance a loan you already have, we have a variety of great rates and terms to choose from.

  • Low Rates Lower rates mean lower payments and that's great news for your budget!
  • Fast Answers Your Motorcycle Loan application stays local for a faster turnaround.
  • Flexible Terms Choose the Motorcycle Loan term that works best for the rate you need.
  • Insurance Rates See if you can lower your insurance rates by being a member! Learn more...
Mother and son work on motorcycle together

Motorcycle Payment Calculator

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Motorcycle Loan Calculator

Find your perfect payment! Try a few different rates and terms to see what works for your budget and then email the results to yourself.


Your actual term and payment will be provided upon acceptance of a Peach State FCU loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

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Get Your Money's Worth
Before you make a deal, find out how much you're pre-approved for to help you get the best deal.

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Helpful Guidance
Contact a member of our lending team to give you guidance and support while staying within your budget.

Motorcycle Loan Rates

Get pre-approved so you know how much you can afford before going to the dealership!

*APR – Annual Percentage Rate. Subject to credit approval and recommended rates may vary based on individual creditworthiness. Term of up to 36 months; estimated monthly payment of $29.66 per $1,000.00 borrowed. Rates subject to change without notice and may be higher based on term and/or qualifications. Must qualify for Peach State membership. Members must qualify for a Peach State loan and checking account. Peach State will finance up to 100% of the NADA vehicle valuation. A $15 loan application fee is charged for processing. Terms and conditions subject to change without notice.

Motorcycle Loan Rates

Loan Term
APR* (as low as)
Loan Term
Up to 36 Months
APR* (as low as)
3.29%
Loan Term
37-60 Months
APR* (as low as)
3.29%
Loan Term
61-72 Months
APR* (as low as)
3.79%
Loan Term
73-84 Months
APR* (as low as)
4.79%
Effective August 19, 2022

*APR – Annual Percentage Rate. Subject to credit approval and recommended rates may vary based on individual creditworthiness. Term of up to 36 months; estimated monthly payment of $29.66 per $1,000.00 borrowed. Rates subject to change without notice and may be higher based on term and/or qualifications. Must qualify for Peach State membership. Members must qualify for a Peach State loan and checking account. Peach State will finance up to 100% of the NADA vehicle valuation. A $15 loan application fee is charged for processing. Terms and conditions subject to change without notice.

Couple has fun riding motorcycle together

Motorcycle financing for the open road ahead!

We make financing your motorcycle as easy as possible. Our efficient application process and competitive rates will have you behind the handlebars in no time!

  • Start your adventure now with our online application.
  • Ride with confidence. Enroll in loan protection options to protect your investment.
  • Get the best deal with up to 100% financing available for qualified buyers.

Loan Protection Products

  • DEBT PROTECTION

    Debt protection coverage cancels/waives all or a portion of your loan balance when a specified protected event occurs (death, total disability, or involuntary job loss), which helps provide you with financial protection and peace of mind. Limitations and exclusions may apply. For details about coverage and costs, please contact us.

  • GAP COVERAGE

    If your vehicle is ever totaled or stolen, your primary insurance will usually pay only the current market value of your vehicle, less your deductible. If the actual cash value is less than your current loan amount, the result could be a financial "gap" where you must pay the difference between your loan balance and your insurance settlement. 

    With Guaranteed Asset Protection (GAP) coverage, the remaining amount you owe on your loan will be paid for you. GAP Coverage at Peach State also includes an Auto Deductible Reimbursement which will pay up to $1,000 per loss (unlimited losses per year) when a loss is filed and paid by your auto insurance company for a covered auto that you own or lease (as evidenced by the title, registration or loan document).

    If you already have GAP coverage and need to file a claim, call 877.296.4892 or visit Assurance Plus Claims to get started.

    Certain conditions apply. For details about GAP coverage, refer to the GAP contract or please contact us.

  • EXTENDED VEHICLE WARRANTY

    Peach State offers our members Extended Vehicle Service Contracts through Warrantech Warranty Corporation for your auto, truck, or van to protect against expensive, unexpected automotive repair costs. This warranty is typically less expensive than those offered at a dealership and covers most major components in the event of a breakdown. It also offers no-hassle direct payment with no reimbursement forms and your one-time premium can be financed with your vehicle loan.

    Extended Warranty Features:

    • Low deductibles – $0, $50, $100, or $200
    • Coverage for vehicles up to 11 years old with up to 150K miles on the odometer
    • Bumper-to-Bumper Exclusionary Coverage on vehicles up to 11 years old and with less than 100K miles
    • Toll-free roadside assistance
    • Toll-free claims phone number
    • Trip interruption coverage
    • Increased vehicle resale value
    • Repair work may be performed by a dealership, franchise repair facility, or an independent repair shop
    • Claims are paid directly via credit card
    • Service contracts are valid in the U.S. and Canada

    To learn more or to get an Extended Vehicle Warranty, contact a Peach State loan representative or Warrantech directly at 800.358.2655.

DEBT PROTECTION

Debt protection coverage cancels/waives all or a portion of your loan balance when a specified protected event occurs (death, total disability, or involuntary job loss), which helps provide you with financial protection and peace of mind. Limitations and exclusions may apply. For details about coverage and costs, please contact us.

GAP COVERAGE

If your vehicle is ever totaled or stolen, your primary insurance will usually pay only the current market value of your vehicle, less your deductible. If the actual cash value is less than your current loan amount, the result could be a financial "gap" where you must pay the difference between your loan balance and your insurance settlement. 

With Guaranteed Asset Protection (GAP) coverage, the remaining amount you owe on your loan will be paid for you. GAP Coverage at Peach State also includes an Auto Deductible Reimbursement which will pay up to $1,000 per loss (unlimited losses per year) when a loss is filed and paid by your auto insurance company for a covered auto that you own or lease (as evidenced by the title, registration or loan document).

If you already have GAP coverage and need to file a claim, call 877.296.4892 or visit Assurance Plus Claims to get started.

Certain conditions apply. For details about GAP coverage, refer to the GAP contract or please contact us.

EXTENDED VEHICLE WARRANTY

Peach State offers our members Extended Vehicle Service Contracts through Warrantech Warranty Corporation for your auto, truck, or van to protect against expensive, unexpected automotive repair costs. This warranty is typically less expensive than those offered at a dealership and covers most major components in the event of a breakdown. It also offers no-hassle direct payment with no reimbursement forms and your one-time premium can be financed with your vehicle loan.

Extended Warranty Features:

  • Low deductibles – $0, $50, $100, or $200
  • Coverage for vehicles up to 11 years old with up to 150K miles on the odometer
  • Bumper-to-Bumper Exclusionary Coverage on vehicles up to 11 years old and with less than 100K miles
  • Toll-free roadside assistance
  • Toll-free claims phone number
  • Trip interruption coverage
  • Increased vehicle resale value
  • Repair work may be performed by a dealership, franchise repair facility, or an independent repair shop
  • Claims are paid directly via credit card
  • Service contracts are valid in the U.S. and Canada

To learn more or to get an Extended Vehicle Warranty, contact a Peach State loan representative or Warrantech directly at 800.358.2655.

3 Free Templates!

Budgeting Templates

Stay in control of your finances! These budgeting templates make it easy to stay on top of your monthly spending and create good habits.

  • Fillable online
  • Calculates in real-time
  • Easy to use and understand

Testimonial

Friendly staff and always a welcoming experience when you walk in the door. I've financed cars, trucks, and recently purchased a motorcycle. The branch on Tobacco Road in Gracewood is really the best in town.
 
- Allen S.
I love this place! They do a great job and are always super friendly! It's the only place I will do my banking! 
 
- Jeremy T.
Peach State FCU is the first banking service I have used. Great staff that is willing to help and answer questions. I look forward to continuing using Peach State in the future. Thanks!
 
- Angie T.