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Floridacentral offers motorcycle loans for eligible new and used motorcycles, ATVs, and UTVs. With competitive rates, flexible repayment terms, pre-approval options, and local lending decisions, you can finance your next ride with confidence.
Floridacentral Motorcycle Loans can be used to finance eligible new or used motorcycles, ATVs, and UTVs. Whether you need a motorcycle for commuting, weekend riding, or off-road recreation, our lending team can help you explore financing that fits your budget.
Enjoy competitive rates, flexible repayment terms, and personalized service from a local lending team that’s here to help every step of the way.
Pre-approval helps you understand your budget before visiting a dealership and gives you additional confidence when it’s time to make your purchase.
Review current rates for eligible new and used motorcycles, ATVs, UTVs, and other qualifying powersports vehicles. Your final rate will depend on factors such as creditworthiness, vehicle type and age, loan amount, and repayment term.
| Loan Type | APR2 | Term3 |
|---|---|---|
| Car – New | as low as 5.25% | Up to 72 months |
| Car – Used | as low as 5.75% | Up to 72 months |
| Recreational Vehicle – New | as low as 6.99% | Up to 120 months |
| Recreational Vehicle – Used | as low as 7.05% | Up to 120 months |
| Motorcycle – New | as low as 6.99% | Up to 84 months |
| Motorcycle – Used | as low as 7.05% | Up to 84 months |
| Motorsport – New | as low as 6.99% | Up to 72 months |
| Motorsport – Used | as low as 7.05% | Up to 72 months |
| Watersport – New | as low as 6.99% | Up to 84 months, and extended terms up to 120 months available for qualifying watercraft |
| Watersport – Used | as low as 7.05% | Up to 84 months, and extended terms up to 120 months available for qualifying watercraft |
| Mobility Vehicle – New | as low as 6.99% | Up to 120 months |
| Mobility Vehicle – Used | as low as 6.99% | Up to 120 months |
Use our motorcycle loan calculator to estimate your monthly payment based on the loan amount, interest rate, and repayment term you’re considering.
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Have questions about financing your next motorcycle or powersports vehicle? We’re here to help.
Yes. Floridacentral offers financing for both new and used motorcycles, subject to credit approval and vehicle eligibility.
Yes. Floridacentral’s motorcycle loan program also includes financing for eligible ATVs and UTVs, making it easier to finance your next off-road adventure.
A motorcycle loan is designed specifically for eligible motorcycles and certain powersports vehicles, while an auto loan is used for cars, trucks, SUVs, and vans. Rates, terms, and vehicle eligibility may differ by loan type.
How long does motorcycle loan approval take?
Approval time can vary based on your application, credit qualifications, and the information provided about the vehicle. Floridacentral offers local loan decisions and will let you know if additional documentation is required.
Pre-approval helps you understand your budget, simplifies the buying process, and can give you greater confidence when negotiating your purchase.
Yes. If your motorcycle loan is with another financial institution, refinancing with Floridacentral may help you lower your rate or monthly payment, depending on your qualifications.
Your interest rate is based on several factors, including your creditworthiness, the type and age of the vehicle, the loan amount, and the repayment term you choose.
You’ll typically need a valid photo ID, proof of income, and information about the motorcycle or powersports vehicle you’re purchasing. Our lending team will let you know if any additional documentation is needed.
Visit our Help Center for more frequently asked questions or contact our team. We’re here to help you find the financing that’s right for your next ride.
1 APR - Annual Percentage Rate based on individual applicant’s creditworthiness, year, make, model of vehicle, and term of the loan. Rates effective September 30, 2026. Restrictions apply.
2 APR - Annual Percentage Rate. Annual Percentage Rate based upon individual applicant's creditworthiness, the year, make and model of vehicle, and term of the loan. Other terms and rates available. Rates and terms are subject to change without notice. Payment does not include insurances. Terms up to 120 months are available for Recreational and Watersport vehicles. Rates effective as of September 30, 2026.
3 May be eligible for longer terms, subject to approval, rate may be higher.