Motorcycle Loans

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It’s your Advantage

Found Your Dream Bike? We’ll Help You Cruise into Savings.

If you’re in the market for a motorcycle, you know that finding the right loan is just as important as finding the right ride. That’s where we come in. At 1st Advantage, we’re dedicated to helping you get the best possible loan terms for your motorcycle.

Experience the Thrill of the Ride

With our lower rates, you can save money on your monthly payments and get the bike you’ve always wanted.

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Exceptional Interest Rates

We offer some of the lowest interest rates for motorcycle loans, helping you save money on your monthly payments and over the life of your loan.

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Personalized Service

Get personalized service and guidance to help you navigate the auto loan process, answer any questions you have, and ensure you get the best possible loan terms.

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Flexible Loan Terms

With flexible loan terms, longer repayment periods, and smaller down payment requirements give you more options to fit your unique financial needs.

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Membership Benefits

By financing your motorcycle loan through 1st Advantage, you can enjoy additional member benefits such as access to financial resources, a network of dealer partners, and other financial services.

Get Moving with Great Rates

Motorcycle Loans



*APR = Annual Percentage Rate. Current APR as of 6/17/2024. Other terms available. Minimum financed amount required. Minimum monthly payment required. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 7.99% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.


Up to 48 months




Up to 60 months




Up to 66 months




Up to 75 months




Up to 84 months




Up to 96 months



Ready to Crunch Some Numbers?

Enter the amount you wish to borrow and preferred loan term to determine your estimated monthly payment and interest rate.

Calculated payments shown are for estimation purposes only. Actual loan payment amount will be disclosed at loan closing and may differ slightly.

Get Answers to Your Questions

You can make a secure online loan payment with any debit card or bank account through our Online Banking system. You can set up a Payroll deduction or call 800-359-7650 or 757-877-2444 for Pay by Phone services. You can visit any of our 13 full-service branches or one of the 5,000 Co-Op Shared Branch locations throughout the Hampton Roads area. And finally, you can mail a check to 1st Advantage: P.O. Box 2116, Newport News, VA 23609.

Yes! Our Skip A Payment* program makes it easy to find extra cash  for whatever you choose! With our convenient online form, you can request to defer one of your monthly loan payments when you need to, from wherever you are.


  • You must have made 11 consecutive months worth of payments on the loan for program eligibility.
  •  All credit union accounts must be in good standing.
  • A $30 fee will be deducted from your savings or checking account per loan, per occurrence. If the funds are unavailable, the request will be unable to process.

Click here for the Skip A Payment Application.

Click here for the Skip A Payment with Co-Borrower Application.

*Fixed term Signature, Secured, and Vehicle loans qualify for Skip A Payment program. Credit Card, Signature Lines of Credit, Mortgage, Business, Payday, and Freedom Loans are not eligible for program. Charges and other restrictions may apply. Loan must be open for at least 11 months and member must be current on loan and all credit union accounts to qualify. If you have skipped a payment on a loan in the last 9 months, that loan does not qualify for this promotion. There is a $30 application fee per loan, per occurrence. All requests to defer a payment must be approved. Interest will continue to accrue during the deferral period. This will extend the original term and increase the amount of finance charges. If there is a Co-Borrower/Guarantor on the loan, all parties must sign to be eligible for this program.

Not finding what you’re looking for? See all our FAQs or Contact Us.

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