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Motorcycle & All-Terrain Vehicle (ATV) Loans

"ACU has exceeded my expectations more than any other bank I've ever done business with."

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Blaze some trails

Experience the ultimate thrill ride cruising down the highway or tackling dirt trails. Whether you are buying a new or used motorcycle or an all-terrain vehicle (up to 6 years old, including current year), we have the financing to make your next adventure a reality.

Why choose Arsenal?

Here’s what sets us apart.

  1. 1

    Pick your term

    Flexibility is everything. Enjoy terms up to 84 months on new and up to 72 months for used. Minimum loan amounts apply to various terms offered.

  2. 2

    Bundle up

    You can bundle your title, tax and license costs right into the terms of your loan.

  3. 3

    Skip payments

    Skipping a payment with us won't ruin your credit score. We allow you to skip a payment once per year, for up to five years, as long as you're in good standing. Ask for details.

Get moving

Applying for our loans is easy. You can fill out an application online, come into one of our branches or even get on-the-spot financing at many dealerships.

Apply Now!


APR* Term
4.49% APR-18.99% APR 0-36 months
4.74% APR-6.24% APR 37-60 months
5.99% APR-7.99% APR 61-84 months

New Motorcycles and Personal Watercraft - (current model year and up to two previous model years with no previous title)

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 09-01-18.

APR* Term
5.49% APR-15.99% APR 0-36 months
6.99% APR-8.99% APR 37-72 months

Used Motorcycles/Pers. Watercraft (model previously titled and no more than six years old, includes current year) - Up to 115% of NADA retail value financed (plus tax, title and license)

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 09-01-18.


Loan Calculator

Format: 12m, 36m, 3y, 7y


You can apply for and get an Arsenal Credit Union loan at many dealerships throughout Missouri and Illinois. Be sure to insist on ACU financing when you are at these dealerships to get our low rates. This list does not indicate an endorsement for these manufacturers, dealers or services.
You have the opportunity to skip a payment once every 12 months, up to a maximum of five times over the life of your loan. Your eligibility is based on you keeping your loan current and in good standing (e.g. you have a responsible repayment history). You can choose which month you would like to skip by contacting us before the due date. The payment is deferred until the end of the term.
The only place to get a truly free credit report is You can receive one from each credit-reporting bureau – TransUnion, Equifax and Experian – every year. It's best to stagger your three reports throughout the year. For example, get your TransUnion report in January, Equifax in May and Experian in September.

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Add-on options

Why not handle everything in one place? Get a little more out of your recreational loan with these convenient add-ons.

  • GAP

    GAP (Guaranteed Auto Protection) helps cover you if your property is stolen or totaled. Most insurance will only cover the value of these in such instances, but you might owe more on your loan. GAP gives you peace of mind by covering the rest and "closing the gap." You can add GAP to your Arsenal loan at any time.

  • Vehicle Service Contract

    For motorcycle and ATV loans, a vehicle service contract steps up to help you if your new or preowned vehicle suffers from a mechanical breakdown. The benefits of getting this coverage through us rather than the dealer include comparable coverage at a lower cost, no deductible on covered parts or labor, vehicle rental allowance and 24/7 emergency roadside service. Coverage is nationwide, and can be transferred if you sell your vehicle before your agreement expires.

    This agreement is not an insurance contract.

  • Credit Life/Credit Disability Insurance

    If something happens to you during the course of your loan, these insurance options are a welcome relief. Credit disability insurance can help make your loan payment (up to the policy maximum) on your vehicle if you become totally disabled due to a covered injury or illness. Credit life insurance will help you do the same should an unexpected life event occur.

  • Motorcycle & ATV Insurance

    Why go straight to a big, expensive company when you can get great discounts through us? We offer exclusive discounts on insurance through the credit union, for both new and used vehicles.

Get moving

Apply Now!

Credit Life/Credit Disability: Coverage starts on the enrollment date and can be cancelled at any time. Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Group Policy for a full explanation of the terms.