Why Get Pre-approved?

First, you’ll know exactly how much you can borrow. To start, you can get a rough idea by viewing our motorcycle loan rate page or using our motorcycle loan calculator. Then submit a preliminary application for your loan. We'll review and if you qualify, we can recommend a loan. We'll work with  you on how much you can borrow, the interest rate and what the terms of the loan will be. This way you know up front the type of bike you can afford. 

You can go into negotiations with the confidence of someone who has cash in hand; which can also make pricing clearer from a dealer who might otherwise try to sell you on their financing options, which can come at a higher rate.

Is There A Commitment?

When you get pre-approved, you don’t have to make a commitment to secure the loan for 30 days. During that time, it’s ammunition to help you negotiate your motorcycle purchase with the dealer.

Ride Smarter

Applying to get your Motorcycle Loan pre-approved is easy. Simply click “Apply Now” to start the application process. If you have more questions, we’re happy to help. Give us a call at 315-735-8571 to discuss your options.

Apply Now

Getting ready to apply for a Motorcycle Loan

1. Find Out if You Qualify

You’ve dreamed about this bike for some time, but it’s not a good idea to rush in blindly when it comes to financing. We’re here to breakdown the process and answer your questions.

In many ways, financing a motorcycle is a lot like financing any other road-worthy vehicle. There are just a few key factors to consider if you want to know if you can qualify for a new or used motorcycle loan:

• Your credit standing
• Your debt to income ratio (cash flow)
• Your cash in hand

Secondary issues will affect if and how you can pay back your loan, such as the length, interest rate, and other terms of your loan.

Learn more about our Motorcycle Loans here.

2. Check Your Credit Standing

This includes your credit history and credit-worthiness. You can check your own credit ahead of time and we’ll take a look during the loan approval or pre-approval process. Have you always made loan payments on time? Do you keep your credit within practical limits (avoid over-extending yourself)? Do you have a limited number of loans you are currently paying? Do you have high balances on your credit cards? These and other factors can affect your credit standing.

Talking with a loan representative can help you discover the details about your situation, and if your credit needs improvement, we can suggest some great moves to help.

3. Decide How Much You Can Afford

Before you apply for motorcycle financing, figure out your budget and get a rough idea of how much you can afford. You don’t want to stretch yourself thin so that you can’t make your loan payments for any reason. Consider how much you have left over each week or month, how much you have saved for a down payment, and how long you can reasonably expect to pay off a loan. We can sit with you and determine what you can afford.

4. Narrow Your Loan Choices

Ask any questions you have before finalizing the loan. We’re here to help, and make it as clear and simple as possible. 

Live Smarter

We want to do everything we can to help you get out on the open road sooner. Live Smarter by learning more, and schedule an appointment with one of our representatives for a Motorcycle Loan.