Speedy Turnaround
Once we receive your application, we’ll contact you promptly to get everything finalized.
Quick and easy financing for motorcycles and ATVs.
Finding your next adventure is up to you.
Hughes offers motorcycle and ATV loans with competitive rates and flexible terms, so you can focus on the ride.
Our terms are flexible
Choose from repayment options for up to 84 months (7 years) with monthly payments designed to fit your budget.
Refinancing your existing loan
If you're currently making payments on a motorcycle or ATV, refinancing with Hughes may help reduce your interest rate, lower your monthly payment, or adjust your loan terms.
Frequently Asked Questions
Can I purchase a motorcycle or ATV at a dealership?
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.
How can I make loan payments?
Hughes offers several ways to make your loan payment. Visit the Make a Payment page for details.
Can I purchase a motorcycle or ATV from a private owner?
Yes! We work with the seller to make your purchase easy.
How do you determine a used motorcycle or ATV value?
We use Kelley Blue Book or NADA value.
Am I required to carry full coverage insurance?
Yes, we require full coverage insurance with comprehensive and collision deductibles of $1,000 or less.
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 the loan with comprehensive and collision deductibles of $1,000 or less.
Are there any penalty fees for paying off my loan early?
No. You are not penalized for paying off a loan early with Hughes.
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 1-520-794-8341 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 1-520-696-4260
Rates
9.70% APR*
Fixed Rate (Up to 72 Months)
10.70% APR*
Fixed Rate (84 Months)
Features & Benefits
- A great fixed rate
- Flexible terms
- Term up to 7 years (84 months)
- Submit a Debt Protection Claim
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.Disclosures
Effective Date: 04-01-2026
*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 $25,000 for 84 months at 10.70% fixed APR will have a monthly payment of $424.13.
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.
One Low Rate™ applies to all Hughes Federal Credit Union loans except credit builder loans; mortgage and student loans, which are offered through an outside vendor. For members with approved credit. Certain restrictions apply.
Hughes Federal Credit Union, 971 W. Wetmore Rd., Tucson, AZ 85705.