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Buy the bike of your dreams

Motorcycle Loans

Motorcycle financing

Apply Now for an auto loan View Rates

Buy the bike of your dreams.

If the open road is calling your name, we can help you answer. From custom roadsters to sport bikes and specialized ATVs, our motorcycle loans will get you ready to ride.

You’ll get flexible terms, competitive rates and a quick approval process with funds usually available within a day.

Apply now for a motorcycle loan  Call 877-373-3733

Motorcycle Loan Rates*

Save 0.25% off your interest rate

  • For having your payment automatically deducted from your Commerce checking or savings account.1

  • An additional 0.25% is available when $7,000 or more of the loan is refinanced from another lender.1

Apply for a motorcycle loan

Motorcycle loan terms

Take advantage of flexible terms — long, short or somewhere in the middle. Let’s find a motorcycle financing plan that works for your unique needs.

Motorcycle icon

 Get a motorcycle loan in 3 easy steps

#1 icon

Apply online, over the
phone or at a branch

#2 icon

Finalize your financing
as early as same-day

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Receive loan funds
deposited into your account


Need to refinance your motorcycle? We can help.

If you want to lower your monthly payment — either with a lower interest rate or extended term2 — we offer flexible terms at competitive rates.

Shop with confidence after you get preapproved.

Ask your banker how applying for preapproval on a motorcycle loan can simplify your search before you visit the dealership. We’ll give you a clear picture of what you can afford with your requested loan term and amount.

Call 877-373-3733

Motorcycle loan FAQs

Like a car loan, a motorcycle loan is an installment loan. Installment loans offer a fixed interest rate and monthly payments until the loan amount is paid off. However, the interest rate on a car loan may be different than a motorcycle loan. Enter your ZIP code to view rates now.
Commerce Bank offers loans for motorcycles. Enter your Zip Code to view rates now.
Start by clicking apply now for a Personal Loan. Whether you have selected the motorcycle to purchase or not, you can get started with an application. Once approved, you will work with a banker to set up the loan closing when you are ready to purchase your motorcycle.
Motorcycle loan terms can vary depending on what you need — long, short, or in between — speak to a banker today to find a financing plan that works for you.
With most banks, there is a minimum credit score required to qualify for a loan. However, if you have little to no credit history, you can apply with another person, a co-signer, who may be better qualified. It is important to note, this person will be equally responsible for debt borrowed. Regardless of your credit score and history, we encourage everyone to apply.


  • Rates are subject to change. These rates are available only for new and used motorcycle loans. Your APR will be determined based on creditworthiness, length and amount of loan, and age of collateral. Must be 18 years or older to apply. Subject to credit approval.
  1. Rate discounts cannot be combined with any other offer. Mortgages, dealer loans and refinances of Commerce Bank loans are not eligible to receive these rate discounts. Refinancing discount is limited to one discount per new installment loan and does not apply to Commerce credit card or loan account payoffs. In order to qualify for refinancing discount, must refinance $7,000 or more of debt from another lender.
  2. Extending your loan term will increase the amount of your total finance charges.
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