How long will it take to get a loan decision?

In most cases, you’ll receive a decision immediately or within one business day —depending on the loan amount, your credit profile, and the type of loan you're applying for. We work quickly to review: Your credit history Your debt-to-income ratio The loan amount and purpose Tip: To speed up the process, have your income details, identification, and any supporting documents ready when you apply. Whether you're financing a car, boat, RV, or personal expense, First Tech is here to help you move forward—fast. Helpful Resources Loan Options at First Tech Loan Rates

Motorcycle Loans

Q: How long is my loan approval valid?

Your loan approval and rate commitment are valid for 30 days from the date of approval. This gives you time to: Finalize your purchase Submit any required documents Lock in your rate before market conditions change Tip: If you need more time, reach out to your loan specialist. We may be able to extend your approval or help you reapply with updated terms. At First Tech, we offer competitive rates and flexible terms to help you move forward with confidence—whether you're financing a car, boat, RV, or personal expense. Helpful Resources Loan Options at First Tech Loan Rates

Quick and easy loan approvals
Fixed-rate, fixed-term loans for up to 60 months on bikes up to 5 model years oldMotorcycle Loan example: $12,683 borrowed at 9.29% Annual Percentage Rate (APR) for 60 months = $20.90 per month per $1,000 borrowed. Actual rate will be determined based on the applicant’s credit history, and final loan terms. All loans are subject to credit approval. Credit Union membership is required and subject to approval.

As low as 6.74% Annual Percentage Rate (APR)6.74% Motorcycle Loan example: $12,683 borrowed at 9.29% Annual Percentage Rate (APR) for 60 months = $20.90 per month per $1,000 borrowed. Actual rate will be determined based on the applicant’s credit history, and final loan terms. All loans are subject to credit approval. Credit Union membership is required and subject to approval.

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Motorcycle Loans Apply Now

Features

Finance up to 60 monthsMotorcycle Loan example: $12,683 borrowed at 9.29% Annual Percentage Rate (APR) for 60 months = $20.90 per month per $1,000 borrowed. Actual rate will be determined based on the applicant’s credit history, and final loan terms. All loans are subject to credit approval. Credit Union membership is required and subject to approval.
New or used bikes up to 5 model years old
Finance up to 100% of the bike's value

Benefits

Fixed-rate
Fixed-term loan

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Motorcycle loan calculator

Motorcycle financing for bikes up to 5 model years old.

We finance many kinds of bikes such as cruisers, sports bikes, touring bikes, dual sport motorcycles, adventure bikes, motocross, and more. We also offer trailer financing.

Frequently Asked Questions

You can easily apply online for a fixed-rate motorcycle loan. First Tech offers financing for both new and used motorcycles (up to 5 model years old), with terms up to 60 months. For new motorcycles, you may qualify for up to 100% financing of the purchase price.

To apply, you’ll need your Social Security Number, a valid U.S. driver’s license or state-issued ID, and contact details. If you’ve placed a credit freeze, you’ll need to temporarily lift it before applying.

Your loan approval and rate commitment are valid for 30 days from the date of approval.

This gives you time to:

Finalize your purchase
Submit any required documents
Lock in your rate before market conditions change

Tip: If you need more time, reach out to your loan specialist. We may be able to extend your approval or help you reapply with updated terms.

At First Tech, we offer competitive rates and flexible terms to help you move forward with confidence—whether you're financing a car, boat, RV, or personal expense.

Helpful Resources

Loan Options at First Tech
Loan Rates

In most cases, you’ll receive a decision immediately or within one business day—depending on the loan amount, your credit profile, and the type of loan you're applying for.

We work quickly to review:

Your credit history
Your debt-to-income ratio
The loan amount and purpose

Tip: To speed up the process, have your income details, identification, and any supporting documents ready when you apply.

Whether you're financing a car, boat, RV, or personal expense, First Tech is here to help you move forward—fast.

Helpful Resources

Become a member

Join a credit union that supports the tech community

Choose the account you’re interested in

Fill out an application, which may require you to share sensitive information for legal requirements.
Review the fine print

Read and accept the legal disclosures required for membership.
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Start setting up your accounts and enjoying the perks of First Tech membership.