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Motorcycle Loans

The road to freedom? No directions needed. It starts right here.

Sure, a car is a perfectly fine form of transportation. But a motorcycle? That can really take you places. To places where the roads are wide open, where the Florida breezes blow cool, and where all your worries totally disappear.

Whether you're with an organized club or a solo easy rider, Power Financial Credit Union offers low-cost motorcycle financing so you can find a little bit of heaven on two wheels.

Features and Benefits of Your Power Financial Credit Union Motorcycle Loan

New and Used Motorcycles

Get up to 100% financing to buy your preferred motorcycle brand new or vintage.

Rates and Terms to Suit You

Choose a term between 36 and 96 months and get a great rate with affordable payments.

Pre-Approval to Put You in Charge

Focus purely on the motorcycles at the dealership with a check ready to go.

Save Money With a Refinance

Find out if PFCU can get you a better deal on your motorcycle loan with another lender.

Rates for Motorcycle Loans

Lower rates mean lower payments so you can pay off your loan faster and enjoy the freedom of riding your motorcycle without any monthly payments!
Term APR1 (Rates as low as)
up to 36 months 5.99%
37-60 months 6.24%
61-72 months 6.49%
73-84 months 7.99%
85-96 months 8.99%

Calculate Your Motorcycle Loan Payment

Use our Auto Loan Calculator to see what payment you're likely to get when you choose Power Financial Credit Union for your Florida motorcycle financing. 

"Great bank, great employees, and great rates. I'm glad to be part of the PowerFi family!"

– Ana A., Delray Beach, Florida

Three Easy Steps to Apply for Power Financial Credit Union Motorcycle Financing

Step 1


You can apply online, in-branch or by speaking with one of our trusted advisors.
Step 2

Get Pre-Approved

We'll review your motorcycle loan application. If approved, we'll offer you a loan amount and rate.
Step 3

Find Your Motorcycle!

Head to the dealership to pick your motorcycle. We'll close the loan once you find the right bike.

FAQs About Motorcycle Loans

Accordion Section

Power Financial Credit Union is here to get you the best rate possible and we can work with you to improve your credit score so you can get lower rates as time goes on. We offer competitive motorcycle loan rates based on your:
  • Credit score (higher scores get lower rates)
  • Ability to repay
  • Down payment
  • Term of the loan (shorter terms get lower rates)
  • Loan to value (LTV) ratio
  • Year of your chosen motorcycle (newer vehicles may get lower rates)
Getting motorcycle loan pre-approval puts you in a strong position to negotiate at the dealership so you can focus more on the motorcycles than the money! Here are a few advantages:
  • The seller will take you seriously as a buyer.
  • You won't have to watch out for hidden fees that sometimes get rolled into the sticker price when you get a motorcycle loan through the dealership.
  • You can find out exactly what monthly payment you can afford in advance, so you buy a motorcycle within your budget and can comfortably afford your loan.
Yes, we welcome motorcycle refinancing because we want members of our community to save as much money as possible. Here's what you need to do:
  • Get pre-approved for a Power Financial Credit Union motorcycle loan and compare the rate we offer you with the rate you're currently paying—and see how much you can save on interest.
  • Choose a new loan term to get the payment you want and sign the new loan contract.
  • We'll give you the funds to pay off your old motorcycle loan and then you start making payments on your new loan.
We offer GAP Insurance so that you won't have to worry about your motorcycle loan if you get into an accident and write off your vehicle. In those cases, you have enough to worry about without being upside down on your loan! Here's how it works:
  • Let's say you have a motorcycle loan for $20,000.
  • Your insurance company pays you $15,000 after your accident.
  • You still owe $5,000 on your loan, which you will need to pay before you can get a new loan to buy another motorcycle—or you could roll that $5,000 into a new loan, but that will put you underwater.
  • Fortunately, GAP Insurance will pay that $5,000 so you're free and clear.
Any member of Power Financial Credit Union is welcome to apply for a loan.

Our membership consists of those who: live, work or go to school in Broward, Charlotte, Collier, Lee, Martin, Miami-Dade, Monroe, Palm Beach County, Hillsborough, Manatee, Pinellas, Sarasota or St. Lucie counties.

Immediate family of all current members are also eligible to join.

We are also proud to offer membership to our Select Employee Groups. Employees of Ryder System, Inc. FPL/NextEra Energy, and members and employees of Bonefish & Tarpon Trust, no matter where they are located, are always welcome to join.

Resources for an Optimal Motorcycle Buying Experience

Is a Motorcycle Right for You?

Our quick guide is here to help you decide on the best recreational vehicle for your lifestyle and needs.

Recreational Loan Types and Benefits

Get a full list of vehicle types you can buy with a recreational loan and find out the steps to follow during the loan process.

Improve Your Credit Before Pre-Approval

Your credit score will impact whether your Motorcycle loan is approved, plus the rate you get. Find out how to get great results!

Page Disclaimers

1Eligibility for the lowest rate which is stated above is based on credit worthiness, ability to repay, credit score, down payment, term of loan, loan to value (LTV) and year of vehicle. Rates are subject to change at any time. Interest rates include a .25% discount for automatic payment from your Power Financial Credit Union account and a .25% discount for previous Power Financial Credit Union borrowers. Other conditions may apply.