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Celebrating 70 Years of Service

Motorcycle and ATV Loans

Rates as low as 6.49% APR*

Ride More, Spend Less

Rev up your ride, not your payment when you finance your motorcycle or ATV at Gulf Winds. Our low rates and flexible terms are perfect for those seeking roads less traveled and trails yet conquered.

Apply Now  1.800.650.6328

Motorcycle and ATV Rates
Term APR Range Est. Payment /$1,000 Borrowed
24 months 6.49% - 17.99% $44.54 - $49.92
36 months 6.49% - 17.99% $30.64 - $36.15
48 months 6.49% - 17.99% $23.71 - $29.37
60 months 6.49% - 17.99% $19.56 - $25.39

*Rates as of 06/21/2024. Monthly payments per $1,000 for up to 60 months at 6.49% APR is $19.56. 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. 

I get all my loans here! The interest rates and people are always great and so helpful!
Lexie V.

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.

  • Low-interest rates
  • Terms up to 60 months*
  • Flexible financing options
  • No payments up to 45 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 Debt Protection.
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 or ATV 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 or ATV is stolen or totaled in an accident.

Life is unpredictable. With the Gulf Winds Debt Protection program, your loan balance or monthly payments may be cancelled without penalty or added interest. 

  • Multiple coverage options available to best fit your needs. Must be purchased at time of loan funding.
  • Cancel at any time. If you do so within the first 30 days, we will refund any fees already paid.

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.

Play your way!

Low rates, flexible financing options, up to 45 days no payments and a simple application. We believe getting a motorcycle and ATV 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 »



Learn More »


RV & Camper

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Personal Loans

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**Rates as low as 6.49% 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 6.49% APR is $19.56.

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.