Motorcycle & Off-Road Vehicle Loans

Your next adventure is waiting

Explore the open road—or go off-road—when you finance a motorcycle or off-road vehicle.

Get preapproved for a motorcycle or off-road vehicle loan

family taking a selfie on their car

Today’s Rates

APY as low as1 6.50%

If you’re looking for a motorcycle, All-Terrain Vehicle (ATV),  snowmachine, or other off-road vehicle, it’s quick and easy to apply for financing. 

  • Get competitive rates on new and used motorcycle and off-road vehicle loans. 
  • Apply online, over the phone, or in a branch. 
  • No application fees. 
  • Save time by getting preapproved before you visit the dealer. 
  • Pay your bill automatically from your checking or savings account. 

We finance used motorcycles and off-road vehicles that are less than seven years old. 

person riding a motorcycle
person on a motorcycle

Refinance your motorcycle or off-road vehicle

Are you paying too much for your motorcycle or off-road vehicle loan? Refinancing could help you find a loan with terms that work better for you. Depending on your situation, you may be able to:  

  • Lower your monthly payment. 
  • Reduce your interest rate. 
  • Pay off your motorcycle or off-road vehicle faster. 

Motorcycle Loan Calculators

How it works


Apply Online

Answer a few simple questions and see what you qualify for.

Apply Now


Get Preapproved

With your loan preapproved, you know exactly how much you can afford to spend.

Find Your Vehicle

Take your preapproval to the dealership and select the motorcycle or off-road vehicle you want.

Purchase your new motorcycle or off-road vehicle and enjoy the ride.

Motorcycle and Off-Road Vehicle Loan FAQs

In most cases, we can make a decision on your loan application in under 24 hours.  In some cases, we may need to ask you for more details, and then the process takes a little longer.

You’ll need to provide the following information on your loan application: 

  • Name 
  • Social security number 
  • Physical and mailing address 
  • Employment information 
  • Gross monthly income 
  • Date of birth 

In some cases, we may ask for additional information after you submit your application.  

No, you don’t have to be a member to apply, but you do need to become a member if you want to take the loan. But don’t worry—it’s quick and easy to join Alaska USA.  

When you apply for a loan, we ask if you’re already an Alaska USA member. If you’re not, just follow the instructions at the end of the application process to join. 

If your application is approved, your rate and terms are typically valid for 30 days after the decision date. If you don’t find a vehicle within 30 days, just give us a call at 800-525-9094. 

If your loan is approved, we’ll give you the loan documents you need to take with you to the dealership. You’ll also need to take your driver’s license and proof of insurance with you. 

In most cases, we only finance motorcycles and off-road vehicles that are less than seven years old. However, we do sometimes make exceptions and finance older vehicles for qualified applicants. 

If you want to finance an older motorcycle or off-road vehicle, give us a call at 800-525-9094 to discuss your options. 

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1Interest rate is dependent upon the credit qualifications of the borrower(s). Rates are subject to change at any time for any reason. See our rates page for full details.