Loans as low as 6.54% APR1 for motorcycles, ATVs, UTVs, personal watercraft, and snowmobiles. Whether you're cruising the highways or exploring off-road, we make ownership easy and affordable.
apply now Get your next thrill with the motorcycle and recreational vehicle loan that's right for you. We can help you buy the Harley Davidson of your dreams. Don't let the name confuse you. United finances motorcycles, ATVs, UTVs, personal watercraft, and snowmobiles.motorcycle and powersports loans and refinancing
Who says adults can’t play?
Please select your state in the dropdown to see our rates for your location.
| Effective Date: February 01, 2025 | ||
| Term | Vehicle Model Years | APR1 As Low As* |
|---|---|---|
| Up to 48 Months | All Years** | 7.05% |
| Up to 60 Months | All Years** | 7.15% |
| Up to 72 Months | 2019 or Newer** | 7.45% |
| Up to 84 Months | 2021 or Newer | 8.05% |
| [1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.54% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.54% APR for 60 months equals $391.70 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.75% premium will be added to model years 2020 and older. | ||
Please select your state in the dropdown to see our rates for your location.
| Effective Date: February 01, 2025 | ||
| Term | Vehicle Model Years | APR1 As Low As* |
|---|---|---|
| Up to 48 Months | All Years** | 7.05% |
| Up to 60 Months | All Years** | 7.15% |
| Up to 72 Months | 2019 or Newer** | 7.45% |
| Up to 84 Months | 2021 or Newer | 8.05% |
| [1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.54% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.54% APR for 60 months equals $391.70 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.75% premium will be added to model years 2020 and older. | ||
Please select your state in the dropdown to see our rates for your location.
| Effective Date: February 01, 2025 | ||
| Term | Vehicle Model Years | APR1 As Low As* |
|---|---|---|
| Up to 48 Months | All Years** | 6.54% |
| Up to 60 Months | All Years** | 6.64% |
| Up to 72 Months | 2019 or Newer** | 6.94% |
| Up to 84 Months | 2021 or Newer | 7.54% |
| [1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.54% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.54% APR for 60 months equals $391.70 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.75% premium will be added to model years 2020 and older. | ||
Please select your state in the dropdown to see our rates for your location.
| Effective Date: February 01, 2025 | ||
| Term | Vehicle Model Years | APR1 As Low As* |
|---|---|---|
| Up to 48 Months | All Years** | 6.60% |
| Up to 60 Months | All Years** | 6.70% |
| Up to 72 Months | 2019 or Newer** | 7.00% |
| Up to 84 Months | 2021 or Newer | 7.60% |
| [1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.54% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.54% APR for 60 months equals $391.70 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.75% premium will be added to model years 2020 and older. | ||
Please select your state in the dropdown to see our rates for your location.
| Effective Date: February 01, 2025 | ||
| Term | Vehicle Model Years | APR1 As Low As* |
|---|---|---|
| Up to 48 Months | All Years** | 7.05% |
| Up to 60 Months | All Years** | 7.15% |
| Up to 72 Months | 2019 or Newer** | 7.45% |
| Up to 84 Months | 2021 or Newer | 8.05% |
| [1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.54% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.54% APR for 60 months equals $391.70 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.75% premium will be added to model years 2020 and older. | ||
Please select your state in the dropdown to see our rates for your location.
| Effective Date: February 01, 2025 | ||
| Term | Vehicle Model Years | APR1 As Low As* |
|---|---|---|
| Up to 48 Months | All Years** | 7.00% |
| Up to 60 Months | All Years** | 7.10% |
| Up to 72 Months | 2019 or Newer** | 7.40% |
| Up to 84 Months | 2021 or Newer | 8.00% |
| [1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.54% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.54% APR for 60 months equals $391.70 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.75% premium will be added to model years 2020 and older. | ||
Please select your state in the dropdown to see our rates for your location.
| Effective Date: February 01, 2025 | ||
| Term | Vehicle Model Years | APR1 As Low As* |
|---|---|---|
| Up to 48 Months | All Years** | 7.25% |
| Up to 60 Months | All Years** | 7.35% |
| Up to 72 Months | 2019 or Newer** | 7.65% |
| Up to 84 Months | 2021 or Newer | 8.25% |
| [1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.54% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.54% APR for 60 months equals $391.70 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.75% premium will be added to model years 2020 and older. | ||
Please select your state in the dropdown to see our rates for your location.
| Effective Date: February 01, 2025 | ||
| Term | Vehicle Model Years | APR1 As Low As* |
|---|---|---|
| Up to 48 Months | All Years** | 6.85% |
| Up to 60 Months | All Years** | 6.95% |
| Up to 72 Months | 2019 or Newer** | 7.25% |
| Up to 84 Months | 2021 or Newer | 7.85% |
| [1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.54% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.54% APR for 60 months equals $391.70 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.75% premium will be added to model years 2020 and older. | ||
Please select your state in the dropdown to see our rates for your location.
| Effective Date: February 01, 2025 | ||
| Term | Vehicle Model Years | APR1 As Low As* |
|---|---|---|
| Up to 48 Months | All Years** | 6.85% |
| Up to 60 Months | All Years** | 6.95% |
| Up to 72 Months | 2019 or Newer** | 7.25% |
| Up to 84 Months | 2021 or Newer | 7.85% |
| [1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.54% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.54% APR for 60 months equals $391.70 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.75% premium will be added to model years 2020 and older. | ||
United offers a fixed rate loan to finance a new or used motorcycle or recreational vehicle. Have confidence knowing that you won't be tied down with additional fees. We allow borrowing up to 115% of the value of your UTV to help cover expenses like taxes, title fees, and negative trade-in equity. United has no application fee or early payment penalties.
Need to finance a vehicle that isn't in a clear category? Vehicles like golf carts or tractors. Find out more about our Other Vehicle Loan.
Need a trailer for your ATVs or powersports vehicles? We’ve got you covered there too. A: You must have full coverage insurance with a $1,000 maximum deductible, and have a purchase order or copy of the title available. If multiple names are on the title, all parties must sign the appropriate paperwork for the loan and lien perfection. A: Once you have your recreational vehicle, its value is already worth less. Since insurance claim payments are based on the current value of your vehicle, your loan or lease could be higher than the value of your vehicle in the event of a total loss. Guaranteed Asset Protection (GAP) is an optional product that you may purchase for your vehicle that covers the difference between the outstanding loan balance and the actual cash value of the vehicle in the event of a total loss or theft. GAP can be added at any time, but it's most beneficial in the first 18 months of the loan. GAP is valid for one vehicle loan, including any recreational vehicle loan. The coverage cannot be combined across loans. A: Debt protection is an optional product that helps relieve the financial stress and worry related to making loan payments in the event of death, disability, and/or involuntary unemployment. This protection cancels a borrower's remaining loan balance in the event of death and loan payment(s) for a specific amount of time per occurrence in the event of the rest. A: Typically, GAP covers the loan itself and is nontransferable when the loan is refinanced. However, there is a slight chance GAP purchased on a United loan can be transferred if the loan is refinanced to a new United loan. The ability to request this option will be dependent on the terms of the new loan and if the loan term is extended or not. A: Yes, GAP can be added at any time to an existing loan with a qualifying vehicle. In most cases, it is most beneficial to add this during the first 18 months of the loan when there is the greatest likelihood of a deficiency balance in the event of a loss.
what our loan offers
good to know
competitive rates
flexible repayment terms up to 84 months
borrow up to 115% of the vehicle's value
eligible for
Skip-a-Payment
easy to apply
discount with an
Ultra Checking
account1
no application fees or prepayment penalties
discount when you finance 80% or less1
Guaranteed Asset Protection Insurance3
Debt Protection2
FAQ
