Getting a

Motorcycle Loan

is Easier Than Ever with Peach State!

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Motorcycle Loan Features

Whether you're looking to purchase a new motorcycle or refinance a loan you already have, we have a variety of great rates and terms to choose from.

Low Rates Lower rates mean lower payments and that's great news for your budget!
Fast Answers Your Motorcycle Loan application stays local for a faster turnaround.
Flexible Terms Choose the Motorcycle Loan term that works best for the rate you need.
Insurance Rates See if you can lower your insurance rates by being a member! Learn more...

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Motorcycle Payment Calculator

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Motorcycle Loan Calculator

Find your perfect payment! Try a few different rates and terms to see what works for your budget and then email the results to yourself.

Your actual term and payment will be provided upon acceptance of a Peach State FCU loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

Get Your Money's Worth
Before you make a deal, find out how much you're pre-approved for to help you get the best deal.

Helpful Guidance
Contact a member of our lending team to give you guidance and support while staying within your budget.

Motorcycle Loan Rates

Get pre-approved so you know how much you can afford before going to the dealership!

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*APR – Annual Percentage Rate. Subject to credit approval and recommended rates may vary based on individual creditworthiness. Term of up to 48 months; estimated monthly payment of $30.50 per $1,000.00 borrowed. Rates subject to change without notice and may be higher based on term and/or qualifications. Must qualify for Peach State membership. Members must qualify for a Peach State loan. A $15 loan application fee is charged for processing. Terms and conditions subject to change without notice.

Motorcycle Loan Rates

Loan Term

APR* (as low as)

Loan Term

Up to 36 Months

APR* (as low as)

5.74%

Loan Term

37-60 Months

APR* (as low as)

5.74%

Loan Term

61-72 Months

APR* (as low as)

6.00%

Loan Term

73-84 Months

APR* (as low as)

7.00%

Effective December 17, 2024

Couple has fun riding motorcycle together

Motorcycle financing for the open road ahead!

We make financing your motorcycle as easy as possible. Our efficient application process and competitive rates will have you behind the handlebars in no time!

Start your adventure now with our online application.
Ride with confidence. Enroll in loan protection options to protect your investment.
Get the best deal with up to 100% financing available for qualified buyers.

Apply Now

Loan Protection Products

Debt ProtectionCancels/waives all or a portion of your loan balance when...

DEBT PROTECTION

Debt protection coverage cancels/waives all or a portion of your loan balance when a specified protected event occurs (death, total disability, or involuntary job loss), which helps provide you with financial protection and peace of mind. Limitations and exclusions may apply. For details about coverage and costs, please contact us.
GAP CoverageIf your vehicle is ever totaled or stolen, your primary insurance...

GAP COVERAGE

If your vehicle is ever totaled or stolen, your primary insurance will usually pay only the current market value of your vehicle, less your deductible. If the actual cash value is less than your current loan amount, the result could be a financial "gap" where you must pay the difference between your loan balance and your insurance settlement.

With Guaranteed Asset Protection (GAP) coverage, the remaining amount you owe on your loan will be paid for you. GAP Coverage at Peach State also includes an Auto Deductible Reimbursement which will pay up to $1,000 per loss (unlimited losses per year) when a loss is filed and paid by your auto insurance company for a covered auto that you own or lease (as evidenced by the title, registration or loan document).

If you already have GAP coverage and need to file a claim, call 877.296.4892 or visit Assurance Plus Claims to get started.

Certain conditions apply. For details about GAP coverage, refer to the GAP contract or please contact us.
Extended Vehicle WarrantyExtended Vehicle Service Contracts available through Warrantech Warranty Corporations
EXTENDED VEHICLE WARRANTY

Peach State offers our members Extended Vehicle Service Contracts through Warrantech Warranty Corporation for your auto, truck, or van to protect against expensive, unexpected automotive repair costs. This warranty is typically less expensive than those offered at a dealership and covers most major components in the event of a breakdown. It also offers no-hassle direct payment with no reimbursement forms and your one-time premium can be financed with your vehicle loan.

Extended Warranty Features:
- Low deductibles – $0, $50, $100, or $200
- Coverage for vehicles up to 11 years old with up to 150K miles on the odometer
- Bumper-to-Bumper Exclusionary Coverage on vehicles up to 11 years old and with less than 100K miles
- Toll-free roadside assistance
- Toll-free claims phone number
- Trip interruption coverage
- Increased vehicle resale value
- Repair work may be performed by a dealership, franchise repair facility, or an independent repair shop
- Claims are paid directly via credit card
- Service contracts are valid in the U.S. and Canada
To learn more or to get an Extended Vehicle Warranty, contact a Peach State loan representative or Warrantech directly at 800.358.2655.

DEBT PROTECTION

Debt protection coverage cancels/waives all or a portion of your loan balance when a specified protected event occurs (death, total disability, or involuntary job loss), which helps provide you with financial protection and peace of mind. Limitations and exclusions may apply. For details about coverage and costs, please contact us.

GAP COVERAGE

If your vehicle is ever totaled or stolen, your primary insurance will usually pay only the current market value of your vehicle, less your deductible. If the actual cash value is less than your current loan amount, the result could be a financial "gap" where you must pay the difference between your loan balance and your insurance settlement.

With Guaranteed Asset Protection (GAP) coverage, the remaining amount you owe on your loan will be paid for you. GAP Coverage at Peach State also includes an Auto Deductible Reimbursement which will pay up to $1,000 per loss (unlimited losses per year) when a loss is filed and paid by your auto insurance company for a covered auto that you own or lease (as evidenced by the title, registration or loan document).

If you already have GAP coverage and need to file a claim, call 877.296.4892 or visit Assurance Plus Claims to get started.

Certain conditions apply. For details about GAP coverage, refer to the GAP contract or please contact us.

EXTENDED VEHICLE WARRANTY

Peach State offers our members Extended Vehicle Service Contracts through Warrantech Warranty Corporation for your auto, truck, or van to protect against expensive, unexpected automotive repair costs. This warranty is typically less expensive than those offered at a dealership and covers most major components in the event of a breakdown. It also offers no-hassle direct payment with no reimbursement forms and your one-time premium can be financed with your vehicle loan.

Extended Warranty Features:

Low deductibles – $0, $50, $100, or $200
Coverage for vehicles up to 11 years old with up to 150K miles on the odometer
Bumper-to-Bumper Exclusionary Coverage on vehicles up to 11 years old and with less than 100K miles
Toll-free roadside assistance
Toll-free claims phone number
Trip interruption coverage
Increased vehicle resale value
Repair work may be performed by a dealership, franchise repair facility, or an independent repair shop
Claims are paid directly via credit card
Service contracts are valid in the U.S. and Canada

To learn more or to get an Extended Vehicle Warranty, contact a Peach State loan representative or Warrantech directly at 800.358.2655.

3 Free Templates!

Budgeting Templates

Stay in control of your finances! These budgeting templates make it easy to stay on top of your monthly spending and create good habits.

Fillable online
Calculates in real-time
Easy to use and understand

Testimonial

Share Your Story

Everyone is very friendly and helpful. I have banked with Peach State since 1981 and still feel very secure with my banking information. I always recommend them to family and friends.

- Sandra S.

Great member service and very good rates for loans.

- Michael L.

I like the personal approach to member satisfaction, and I always feel like family. The credit union is always there for us!

- Brenda N.

Frequently Asked Questions

These are a few of the commonly asked questions about Vehicle Loans.

For even more FAQs, check out our Member Knowledge Base.

Peach State does not always require a down payment for vehicle loans. Whether you need to make a down payment will depend on your application.

Peach State is located in Georgia and South Carolina. If you’re purchasing from outside of these states, then you’ll need to contact us to review the request.

Can I skip a payment on my loan?

Yes, members can skip up to two payments on each loan per calendar year for a small processing fee. Terms do apply.