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)

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

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.

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

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.