Motorcycle Loans | Lutheran Federal Credit Union
Serving the Lutheran Church-Missouri Synod Community
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Motorcycle Loans

Make the hardest part of finding your joy ride easy with LutheranFCU. LFCU offers loans up to 100% of the NADA retail value with approved credit for the purchase or refinance of motorcycles up to 6 years old. With fast response times, you can get your pre-approval and start shopping for your sweet ride!

It’s time to ride!

  • Loans from $5,000 to $30,000 available
  • Fixed interest rates starting at 5.125% with a corresponding APR of 5.16%*
  • Financing up to a 60 month term
  • Up to 100% financing
  • Refinances available too!

What will I need?

Purchase Documents

  • Copy of your Purchase Order including your dealer contact information.
  • Proof of full coverage insurance and agent’s contact information
  • Proof of Income (See below)

Refinance Documents

  • Statement and/or payoff from your current lender
  • Verification of vehicle information (Copy of title or registration card)
  • Proof of full coverage insurance and agent’s contact information
  • Proof of Income (See below)
  • Photo of the motorcycle

Proof of Income

  • Two most recent pay statements showing year-to-date pay and all deductions
  • Self-employed applicants, please submit the two most recent year tax returns including all schedules.
  • Social security income and other retirement income, please submit two recent months of direct deposit records or most recent annual income benefit “award” letter with your most recent retirement 1099 tax form.

How Will I Receive My Monthly Billing Statements?

Each month, an EMAIL notice will be sent to the primary borrower’s email address reminding you that your monthly E-statement is ready for viewing and\or printing. To access your monthly E-statements, just login to your Online Home Banking account, choose “Online Services” and then “E-statements”.

How Can I Make My Loan Payments?

There are many options for setting up your monthly payments. You may set up a one-time or recurring payment by choosing the applicable option under the “Transfers” tab within your Online Home Banking account if LutheranFCU is your primary financial institution. Other payment set-up options include using your online bill pay service from your primary financial institution or you can authorize LutheranFCU to automatically set up your monthly payments by ACH. To set up your payment by ACH, please complete the Automated Electronic Loan Payment form. Once signed and completed, please email the form to or fax it to 314-394-2799. If you don’t have a scanner or a fax machine, you may take a picture of your completed form using your smartphone camera and send it to us that way.

*APR is the Annual Percentage Rate. Rate referenced above is the lowest rate possible for qualified borrowers and is based on underwriting criteria and term of loan. There is a one-time $25 processing fee charged on all new and used motorcycle loans. Loan example: $30,000 at 5.125% for 60 monthly payments of approximately $567.86 with corresponding APR of 5.16%. All loans are subject to approval. Additional terms and conditions may apply.