Motorcycle & ATV Loans

Begin your adventure with a low rate.

Financing for motorcycles and ATVs made quick and easy.

We get you low rates, flexible terms, and low payments. Finding your next adventure is up to you.

With Hughes, you can borrow to buy a new or used motorcycle or ATV for a term of up to seven years (84 months). We can also help lower the rate or payment on an existing loan through our refinancing options.

Features & Benefits

  • A great fixed or adjustable rate
  • Flexible terms
  • Speedy turnaround
  • Term up to 7 years (84 months)


  • 5.50% APR*
    Adjustable Rate (Up to 72 Months)
  • 6.25% APR*
    Fixed Rate (Up to 72 Months)
  • 6.50% APR*
    Adjustable Rate (84 Months)
  • 7.25% APR*
    Fixed Rate (84 Months)
Effective Date: 01-01-2020

*Annual Percentage Rate (APR) and loan terms can affect your monthly payments. Use a Hughes Financial Calculator to calculate payment amounts for fixed rate loans. 

Fixed APR Example: A loan of $20,000 for 84 months at 7.25% fixed APR will have a monthly payment of $304.30.

Adjustable APR Example: A loan of $20,000 for 84 months at 6.50% adjustable APR will have a monthly payment of $296.99.

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.

Why Motorcycle & ATV Loans ?

We can get you on the road!


Speedy Turnaround

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

One Low Rate Icon

One Low Rate

We don’t switch loan rates based on your credit score. Just one interest rate for all approved applicants.

Flexible Terms

Up to 84 months.


Motorcycle & ATV Loan Frequently Asked Questions

Yes! We work directly with many Arizona dealerships. If they are out of state or not on our program, we can contact them to verify they meet our requirements.

We offer several options to repay your loan.

Yes! We work with the seller to make your purchase easy.

The adjustable rate is set by the credit union and is not tied to a prime index. Even though a rate may change during the life of the loan, the payment remains the same so you can continue staying on track with your budget. We fluctuate the term of the loan instead.

We use Kelley Blue Book or NADA Value.

No, we only finance vehicles with a clean A status title.

Visit our application status portal to check the status of your application, upload documents, or send us questions or comments. 

Yes, we require full coverage insurance with comprehensive and collision deductibles of $1,000 or less. 

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