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Get ready for some outdoor adventure with our affordable ATV & motorcycle loans.

Whether you want to experience the freedom of the open road on a motorcycle, or explore the backcountry in an ATV, Heritage Community Credit Union can help make your dreams a reality. We offer competitive rates and flexible terms on loans to get you in the driver’s seat of the motorcycle, hog, or ATV you’ve always wanted!

Details About Our ATV & Motorcycle Loans

  • Competitive credit union rates
  • Flexible terms to fit your unique needs and budget
  • Competitive rates for a wide range of recreational vehicles:
    • Motorhomes/travel trailers
    • Motorcycles/ATVs
  • Loan protection options so you can have peace of mind on the road:
  • Local decision-making and processing right here in the Greater Sacramento area
  • Our local experts will guide you throughout the entire process.

All loans are subject to approval.

You can apply for an ATV or motorcycle loan if you live, work, worship, or attend school in Sacramento, Placer, El Dorado, Yolo, and San Joaquin Counties and become a member of Heritage Community Credit Union.

FAQ About Motorcycle and ATV Loans in Sacramento

How do ATV and Motorcycle Loans work?
Answer: They work similarly to a car loan. How much you can borrow, the loan offer, and the fixed interest rate may be determined by your overall financial situation and credit score. After loan pre-approval, you can take it to the dealership and negotiate with confidence. You can make payments through our online portal or by walking into our credit union branch.
What types of vehicles can I buy?

Answer: You can purchase a wide range of motorcycles and ATVs, such as:

  • Harley (aka “A Hog”)

  • Sportbike

  • All-Terrain vehicles (UTV or ATV)

  • Golf carts

  • Snowmobiles

  • Scooters

  • Motorcycles

What kind of loan rate will I get?
Answer: Depending on your credit, financial situation, and other potential qualifiers, we will offer you a competitive rate. Click to view our rates.
Do I need to be a Heritage Community Credit Union member to get a loan?
Answer: Yes, you must live, work, worship, or attend school in Sacramento, Placer, El Dorado, Yolo, or San Joaquin Counties. You may also join if you’re a member of our affiliated organization, the Financial Fitness Association, and a California resident.
Why should I get my motorcycle or ATV loan pre-approved?
Answer: Having a pre-approval in hand will show the dealership that you’re negotiating from a position of power. Getting financed through Heritage Community Credit Union will prevent the dealership from adding hidden fees if you were to get financed through them.