Speedy Turnaround
Once we receive your application, we’ll contact you promptly to get everything finalized.
Quick and easy financing for motorcycles and ATVs.
We get you low rates, flexible terms, and low payments. Finding your next adventure is up to you.
With Hughes, you can borrow to buy a new or used motorcycle or ATV for a term of up to seven years (84 months). We can also help lower the rate or payment on an existing loan through our refinancing options.
Rates
9.45% APR*
Adjustable Rate (Up to 72 Months)
10.20% APR*
Fixed Rate (Up to 72 Months)
10.45% APR*
Adjustable Rate (84 Months)
11.20% APR*
Fixed Rate (84 Months)
Features & Benefits
- A great fixed or adjustable rate
- Flexible terms
- Term up to 7 years (84 months)
One Low Rate™*
We don’t switch loan rates based on your credit score. Just one interest rate for all approved applicants.
Flexible Terms
Up to 84 months.FAQ
Motorcycle, Powersports & ATV Loan Frequently Asked Questions
Yes! We work directly with many Arizona dealerships. If they are out of state or not on our program, we can contact them to verify they meet our requirements.
Hughes offers a number of ways to make your loan payment. Visit the Make a Payment page for details.
Yes! We work with the seller to make your purchase easy.
The adjustable rate is set by the credit union and is not tied to a prime index. Even though a rate may change during the life of the loan, the payment remains the same so you can continue staying on track with your budget. We fluctuate the term of the loan instead.
We use Kelley Blue Book or NADA Value.
No, we only finance vehicles with a clean A status title.
Visit our application status portal to check the status of your application, upload documents, or send us questions or comments.
Yes, we require full coverage insurance with comprehensive and collision deductibles of $1,000 or less.
Yes. You will need to provide your insurance company with the following lienholder information:
Hughes Federal Credit Union
PO Box 461385
San Antonio TX 78246-1385
San Antonio TX 78246-1385
Phone: 1-888-667-9103
Fax: 1-866-736-9183
Website: imcovered.com/hughesfcu
Full coverage insurance is required during the full term of loan with comprehensive and collision deductibles of $1,000 or less.
No. You are not penalized for paying off a loan early at Hughes.
You will need to contact the Credit Union in order to calculate your final loan payoff amount.
- Call the Contact Center at 520-794-8341 during regular business hours
- Submit a message within Hughes Online Banking or Mobile App, or use the Secure Email Portal
- Send your request by Fax to 520-696-4260
Disclosures
Effective Date: 10-01-2024
*Annual Percentage Rate (APR) and loan terms can affect your monthly payments. Use a Hughes Financial Calculator to calculate payment amounts for fixed rate loans.
Fixed APR Example: A loan of $25,000 for 84 months at 11.20% fixed APR will have a monthly payment of $430.67.
Adjustable APR Example: A loan of $25,000 for 84 months at 10.45% adjustable APR will have a monthly payment of $420.85.
All loans subject to approval. Certain restrictions may apply. Rate based on creditworthiness and subject to change. The disclosed rates are based upon your credit score and other loan qualifications. A down payment may be required. Contact Hughes Federal Credit Union for additional information.
One Low Rate™ applies to all Hughes Federal Credit Union loans except credit builder loans; mortgage and student loans, which are offered through an outside vendor. For members with approved credit. Certain restrictions apply.
Hughes Federal Credit Union, 971 W. Wetmore Rd., Tucson, AZ 85705.