Motorcycle, Powersports & ATV Loans

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Motorcycle and ATV Loans for New and Used Powersports Vehicles

Whether you're purchasing a new motorcycle, buying a used ATV, refinancing an existing loan, or purchasing from a private seller, Hughes offers competitive rates and flexible financing options to help you get on the road or trail sooner.

Our terms are flexible

Hughes offers a variety of repayment options, including terms of up to 84 months for qualified borrowers, with monthly payments designed to fit your budget.

Refinancing your existing loan

Already have a motorcycle or ATV loan? Refinancing with Hughes may help you lower your interest rate, reduce your monthly payment, adjust your repayment term, or better align your financing with your current financial goals.

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Rates

As low as 7.49% APR*

Features & Benefits

Why Motorcycle, Powersports & ATV Loans ?

We can get you on the road!

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Fast Response

Once we receive your application, we’ll contact you promptly to get everything finalized.  

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Flexible Terms

Up to 84 months.
Easy Application Process

Easy Application Process

Apply online in minutes from wherever you are.
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FAQ

Motorcycle, Powersports & ATV Loan Frequently Asked Questions

What types of vehicles can I finance?

Hughes offers financing for eligible motorcycles, ATVs and other qualifying powersports vehicles.

Can I finance a used motorcycle or ATV?

Yes. Hughes offers financing for eligible new and used motorcycles and ATVs.

Do you offer financing for a private party purchase?

Yes. Hughes offers financing for eligible motorcycles and ATVs purchased directly from an individual seller.

Can I refinance my existing motorcycle or ATV loan?

Yes. Refinancing may help lower your interest rate, reduce your monthly payment, or adjust your repayment term.

How long can I finance a motorcycle or ATV?

Hughes offers flexible repayment options, including terms of up to 84 months for qualified borrowers.

What information should I have ready before I apply?

When applying for a motorcycle or ATV loan, you'll be asked to provide personal information such as your name, address, Social Security number, employment information, income and email address.

If you're refinancing an existing loan, we'll also need information about the vehicle, including the make, model, year, mileage and vehicle identification number (VIN).

What are the eligibility requirements to apply?

To apply for a motorcycle or ATV loan with Hughes, you must be eligible for membership and meet our lending requirements. Loan approval is based on factors such as credit history, income, debt-to-income ratio, loan-to-value ratio, and the type and condition of the vehicle being financed.

Are there any penalty fees for paying off my loan early?

No. You are not penalized for paying off a loan early at Hughes.

Do I need insurance for a motorcycle or ATV loan?

Yes. Vehicles financed through Hughes require insurance throughout the life of the loan. Coverage requirements may vary based on the type of vehicle being financed.

Do I need to notify my insurance company when I get a loan with Hughes?

Yes. You will need to provide your insurance company with the following lienholder information: 

Hughes Federal Credit Union 
PO Box 461385
San Antonio TX 78246-1385 

Phone: 1-888-667-9103
Fax: 1-866-736-9183
Website: imcovered.com/hughesfcu

Full coverage insurance is required during the full term of loan with comprehensive and collision deductibles of $1,000 or less.

Do I need full coverage insurance?

Yes. Vehicles financed through Hughes require full coverage insurance, including comprehensive and collision coverage.

How can I find my loan payoff information?

You will need to contact the Credit Union in order to calculate your final loan payoff amount, or use the loan payoff tool in your Online Banking account.

  • Call the Contact Center at 520-794-8341 during regular business hours
  • Submit a message within Hughes Online Banking or Mobile App, or use the Secure Email Portal
  • Send your request by Fax to 520-696-4260

If you are mailing in your loan payoff, please address it to:

Hughes Federal Credit Union

971 W Wetmore Rd

Tucson, AZ

How do you determine a used motorcycle or ATV value?

We use Kelley Blue Book or NADA Value.



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Disclosures

Effective Date: 10-01-2026

*APR = Annual Percentage Rate. The maximum APR, for any type of loan, shall not exceed the limit set by applicable law(s). The loan rate will be the rate in effect when the loan is completed. Advertised “as low as” annual percentage rates assume excellent borrower credit history. Your rate and/or term may vary depending on credit qualifications, amount financed, and other factors. The lowest rate shown is for well-qualified borrowers. All loans are subject to final credit approval.

Rates and terms are subject to change at any time. Please contact a Credit Union employee for further information.

Fixed APR Example: A loan of $25,000 for 84 months at 7.49% fixed APR will have a monthly payment of $383.33. 

All loans subject to approval. Certain restrictions may apply. Rate based on creditworthiness and subject to change. The disclosed rates are based upon your credit score and other loan qualifications. A down payment may be required. Contact Hughes Federal Credit Union for additional information.

Hughes Federal Credit Union, 971 W. Wetmore Rd., Tucson, AZ 85705.