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Motorcycle and ATV Loans

Rates as low as 4.99% APR**

Take a ride with 1% cash back!

From scenic sunsets to rocky trails, let us help move your next joyride forward!
For a limited time, get up to $250 cash back* on motorcycle and ATV purchases and refinancing.
Plus, you'll enjoy low rates, flexible financing and no payments for 90 days.

Apply Now  1.800.650.6328

Motorcycle and ATV Rates
Term APR Range Est. Payment /$1,000 Borrowed
24 months 4.99% - 15.99% $43.87 - $48.96
36 months 4.99% - 15.99% $29.97 - $35.15
48 months 4.99% - 15.99% $23.02 - $28.34
60 months 4.99% - 15.99% $18.87 - $24.31

*Rates as of 8/8/2022. Monthly payments per $1,000 for up to 60 months at 4.99% APR is $18.87. Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual APR may vary based on the applicant's credit history and underwriting criteria. 

Motorcycle and ATV Loan Benefits

Put on your helmet and hit the open road. We make it easy to get the bike you've always wanted with a loan that has flexible terms and competitive rates. 

  • 1% cash back offer until August 31*
  • Low interest rates
  • Terms up to 60 months*
  • Flexible financing options
  • No payments for 90 days
  • Simple online application
  • Easy to use online account management
  • Loan Protection Options

Apply Now

Motorcycle and ATV Loan Protection 

Protect your loan with Extended Warranty, Guaranteed Asset Protection (GAP) and Credit Life & Credit Disability.
Call us to get started 1.800.650.6328.

Extended Warranty Protection

Add a Gulf Winds Extended Warranty to select motorcycle and ATV loans at any time.

  • Drive worry-free knowing you are protected from expensive repairs.
  • Your deductible is $0. Covered repairs will cost you nothing. You only pay sales tax and any labor charges beyond standard rates.

Pay only what your motorcycle is worth.

  • Enjoy peace of mind because GAP may cover the difference when your loan payoff is greater than the actual worth of your asset.
  • GAP is important because insurance companies won’t pay for the entire amount of your loan balance if your motorcycle is stolen or totaled in an accident.

This coverage must be purchased at the time of closing the loan, not after. 

  • Give security to your loved ones in the event of your death and protect your credit if you become disabled.
  • Credit Life pays your loan entirely, and Credit Disability makes your payments during a period of disability.

Estimate Your Monthly Payment

Term in Months

Monthly Payment


Interest Rate


Please note that these calculators are provided for informational and planning purposes only. Your actual terms and rates will vary depending on credit history and the details of the loan. Contact us to get your best rate.

Let us finance your fun!

Low rates, flexible financing options, 90 days no payments and a simple application. We believe getting a motorcycle loan should be easy.

Get Started Today

Additional Loan Options

Looking for a different loan to keep life moving forward? We've got you covered!



Learn More »



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RV & Camper

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Personal Loans

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*Maximum amount of cash back is $250.00 per loan. Cash incentive subject to loan approval. Rate and term to be determined based on creditworthiness. Refinancing of existing Gulf Winds Credit Union loans do not qualify. Vehicles purchased and financed through dealerships do not qualify. 1% Cash Back offer until August 31. Cannot be combined with any other offer. Gulf Winds Credit Union membership required with a $5 minimum deposit. Other restrictions may apply. Visit for more information. If you have questions, please call us at 1.800.650.6328.

**Rates as low as 4.99% APR for up to 60 months on new and used motorcycles and all-terrain vehicle purchases and refinances. Monthly payments per $1,000 for up to 60 months at 4.99% APR is $18.42.

For all loans, maximum loan term will depend on the age of collateral and/or the amount of the loan. The actual APR may vary based on the applicant's credit history. Excludes current Gulf Winds loans.