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Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

Join Now & Apply

Listerhill Credit Union (en-US)

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Motorcycle Loans

Motorcycle Loans

Your open road adventures start here.

Turn your dream bike into a reality with a Listerhill Credit Union motorcycle loan. Whether you're buying new or used, our financing makes it easy to get behind the handlebars, with payments that fit your budget and your lifestyle.

Our motorcycle loans offer these competitive features:

  • Financing for new and used motorcycles

  • Low interest rates

  • No application fees — ever

  • Borrow 100% of the motorcycle's cost

  • Flexible repayment terms to fit your budget

  • Convenient application process and payment options

Open an Account in Minutes

Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

Join Now & Apply
View Rates
Motorcycle Loans

Open an Account in Minutes

Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

Join Now & Apply
WHY RIDERS CHOOSE US FOR MOTORCYCLE LOANS
Unbeatable Rates

Enjoy some of the lowest motorcycle financing rates available, thanks to our not-for-profit status.

Easy Preapproval

Get preapproved for your motorcycle loan online in just a few steps.

Zero Application Fees

Discover your personalized rate and term options without any application costs.

Borrow Up To 100%

Finance your entire motorcycle purchase with no down payment required.

Flexible Terms

Choose a term that fits your budget with loan terms of up to 72 months.

Convenient Payment Options

Make your monthly payments through Online or Mobile Banking, automatic payments, or at your local branch.

Everything You Need to Know About Our Motorcycle Loans

What makes Listerhill the best credit union for motorcycle loans? It's not just our competitive rates and flexible terms—we're committed to guiding you through every step of the process to ensure you make the smartest financial decision for your lifestyle and budget.

Here's what sets our motorcycle financing apart:

  • Competitive Rates: As a credit union, we work for our members, not shareholders, meaning better rates, lower fees, and more personalized service.

  • Easy Preapproval Process: Get preapproved online before shopping so you know exactly what you can afford and shop with confidence.

  • Streamlined Application: Enjoy a hassle-free online application process you can complete at your convenience, and quick loan decisions.

  • 100% Financing: Finance your entire motorcycle purchase with no down payment required.

  • Flexible Insurance Options: Access affordable motorcycle insurance solutions through our trusted partner, TruStage Insurance, to protect your new ride.

Ready to hit the open road with financing that works for you?

Open an Account in Minutes

Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

Join Now & Apply
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Listerhill Credit Union Motorcycle Loan Rates

Recreational Loans
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 as low as 9.49% 84 Months
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 as low as 8.49% 72 Months
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 as low as 8.24% 60 Months
New Motorcycle or ATV/UTV as low as 8.99% 72 Months
New Motorcycle or ATV/UTV as low as 8.24% 60 Months
Used Motorcycles or ATV/UTV as low as 8.74% 60 Months
New Motor Homes as low as 9.24% 180 Months
New Motor Homes as low as 8.74% 120 Months
New Motor Homes as low as 8.25% 84 Months
Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 9.74% 180 Months
Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 9.24% 120 Months
Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 8.25% 84 Months
Used Travel Trailer or 5th Wheel as low as 9.74% 180 Months
Used Travel Trailer or 5th Wheel as low as 9.24% 120 Months
Used Travel Trailer or 5th Wheel as low as 8.74% 84 Months
Used Travel Trailer or 5th Wheel as low as 8.25% 72 Months
New Boat as low as 9.49% 180 Months
New Boat as low as 9.24% 144 Months
New Boat as low as 8.99% 120 Months
New Boat as low as 8.04% 84 Months
New Boat as low as 7.74% 72 Months
Used Boat as low as 10.49% 180 Months
Used Boat as low as 10.24% 144 Months
Used Boat - Previous 3 years & up (Minimum Loan Amount $25,000) as low as 9.99% 120 Months
Used Boat as low as 8.74% 72 Months
Used Boat as low as 7.74% 60 Months
New Waverunner or Personal Watercraft as low as 8.54% 84 Months
New Waverunner or Personal Watercraft as low as 8.24% 72 Months
Used Waverunner as low as 9.50% 72 Months
Effective 1/1/2026

All rates and terms are subject to change without notice. Additional terms may be available. See a member advocate for more details.

Apply for Your Motorcycle Loan Preapproval in 3 Easy Steps

Step

1

Apply Online
Click the button below to complete your online application.

Step

2

Accept Your Preapproval Offer
Agree to the loan amount, rates, and terms offered.

Step

3

Get a Check
Use your check to buy your motorcycle and start your open road adventures!

★★★★★

“Great place to get loans, questions answered, transactions done and friendly service.”

— Steve H., Florence, AL.


Motorcycle Loan FAQs

  • What does Annual Percentage Rate (APR) mean?

    The Annual Percentage Rate or APR, represents the total annual cost of your loan, including both the interest rate and any applicable fees. It provides a full picture of what you’ll actually pay over the life or your loan.

    When comparing loan offers, the APR makes it easier to determine which option is the best fit for your budget, as it considers all the costs associated with the loan instead of just looking at the interest rate.

  • What credit score do you need to get a motorcycle loan?

    We ask that you have a credit score of at least 660. That said, there isn’t a one-size-fits all number. We’ll review your whole financial picture and credit history when considering your motorcycle loan. Even if your credit is less than perfect, we may stil be able to help.

  • What is the average term for a motorcycle loan?

    On average, motorcycle loan terms range from 60 to 72 months. Shorter terms often come with lower interest rates, while longer terms may offer more affordable monthly payments. You can use our motorcycle loan calculator to see which term best fits your budget.

    Keep in mind: You can choose a shorter term, but at Listerhill, we don’t finance motorcycles for more than 72 months.


  • Is $2,000 a good down payment for a motorcycle?

    Yes, a $2,000 down payment can be a great start, especially if you’re financing a used motorcycle or aiming to lower your monthly payments. We offer 100% financing, which means we’ll finance the full cost of your motorcycle without the need of a down payment. However, putting money down can help you qualify for better rates and get you lower monthly payments.

  • Can I finance a motorcycle with no credit history?

    Financing a motorcycle without a credit history can be challenging—but it’s not impossible. You may still qualify by applying with a co-signer or making a larger down payment.


    Even if you could be eligible, we recommend building some credit history first to help you qualify for better rates. Not sure where to start? Contact us, we’re here to help you take those first steps toward building credit and improving your overall financial wellness.

  • Is it hard to get approved for motorcycle financing?

    At Listerhill, getting approved for a motorcycle loan isn’t any harder than financing other types of vehicles. Approval depends on a few key factors, like your credit score, income, and debt-to-income ratio.

    We review each application individually and offer loan options that make sense for your financial situation. Our goal is to set you up for success—and help you finance your next adventure.


Additional Products
Accident Prevention
Credit Life & Credit Disability Insurance

In the event of an emergency, safeguard your family through optional loan payment protection.

Auto Insurance
Auto Insurance

We have partnered with TruStage Insurance to give our members discounted rates on Auto, Home, & Life Insurance.

Whats It Worth
What’s It Worth?

Get pricing and information on new cars, used cars, classic cars, motorcycles, RVs, and manufactured homes from the NADA.

© 2026 Listerhill Credit Union (en-US). All Rights Reserved. Federally insured by the NCUA. NMLS #439260
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Frequently Asked Questions

  • Can I use Tap to Add Card with Samsung Wallet®?

    Yes. If you have a compatible Samsung device, you can add your eligible Listerhill card to Samsung Wallet® by tapping your card to your phone.

  • Does Tap to Add Card work with Google Wallet™?

    Yes. Eligible Listerhill Visa® debit and credit cards can be added to Google Wallet™ using Tap to Add Card on compatible Android devices.

  • Can I use Tap to Add Card with Apple Pay®?

    Yes. Tap to Add Card allows you to quickly add your eligible Listerhill Visa® debit or credit card to Apple Pay® by tapping your card to your iPhone (or other Apple devices that support mobile wallets) when prompted.

  • Is Tap to Add Card secure?

    Yes. The feature uses secure technology to safely transfer card information to your mobile wallet, reducing the need to manually enter sensitive details.

  • Do I need to update my card or request a new one?

    No. If you already have an eligible contactless Listerhill Visa® card, you can use Tap to Add Card - no card replacement is needed.

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