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Compare loan and lease options
Options for motorcycles and all other powersports vehicles
Offers in less than a minute for most riders
Checking your financing options won't affect your credit score
Get pre-approved for motorcycle financing instantly.
Know the estimated monthly payment and the credit amount.
Visit any of the thousands of eligible dealers and use your Certificate.
Fill out a credit application and sign a contract at the dealer.
We help people with credit trouble get new and used motorcycles every day.
The application process is fast and
easy.
Your pre-approval offer comes into play after you choose the vehicle you want to lease and negotiate the price and other terms with the dealer. The dealer will ask you to complete a full credit application that allows the dealer to finalize the transaction.
Knowing your terms in advance allows you to take control of your financing decision. To complete your vehicle financing using your offer, you will sign a contract with the dealer. The contract will include your final terms and conditions.
Your pre-approval offer can only be used at an eligible dealer towards the financing of a new or used motorcycle, trike, ATV/UTV or a personal watercraft intended for personal use.
Your offer cannot be used to finance commercial vehicles, branded title vehicles, or vehicles without a Vehicle Identification Number (VIN) or title issued. We may determine a vehicle to be commercial or otherwise ineligible based on the model and/or information provided to us.
We evaluate your eligibility for a pre-approval offer prior to receiving your credit application at the dealer in order to provide you with pre-approval offer terms. This allows us to match your offer terms upon receipt of your credit application from an eligible dealer so that you receive the same financing terms from the dealer that were presented to you in your offer.
If you have any questions or concerns when using your CycleCredit provided pre-approval offer at an eligible dealer, please call us toll-free at 1.844-419-2509 during our business hours to speak with a Customer Service Representative. Business hours to reach a customer service representative by phone are Mon-Fri 8 a.m. – 6 p.m. PT and Sat 8 a.m. – 4 p.m. PT.
Your pre-approval offer is only valid at eligible dealers. Our advisors can assist you with finding a dealer in our network that is in close proximity to your location with the right vehicle inventory. If you already have a vehicle in mind that is at a dealership that is not in our network, please provide their information to our team and we will gladly get in touch with them to include in our dealer network.
Your pre-approval offer expires 30 days after your offer date. You may use your offer on the expiration date, but not on any day thereafter. If your offer expires before you are ready to finance a vehicle, please re-submit your information to check your eligibility for a new offer.
Yes. When you visit an eligible dealer, you will be complete the deal structure with the dealer which will result in one inquiry posted to your consumer credit report. You will also sign a contract with the dealer disclosing your terms and conditions.
Be sure to bring your printed Pre-Approval Offer Confirmation page and let the dealer know that you want to use your offer from CycleCredit. Check your Pre-Approval Offer Confirmation page to see if you will have to bring any documents to the dealer. You have the option of using our online tool to securely upload, or fax (1.310.441.4090), these documents and allow us to verify your information prior to visiting the dealer to save time at the dealer.
If you choose not to upload these documents before going to the dealer, be sure to bring them with you when you go to choose a vehicle.
Yes, you can trade in your vehicle when using your CycleCredit offer. After you negotiate and agree on the trade-in price of your vehicle and the price of the vehicle you wish to purchase, the dealer will handle the payoff of your trade-in and close the financing of your new vehicle. The dealer will charge or credit you with the difference between the value of your trade-in and the payoff amount on your contract.
Please call us toll-free at 1.844.419.2509 during our business hours to speak with a Customer Service Representative so that we can answer any questions. Customer Service Representatives are available by phone during our business hours which are Mon-Fri 8 a.m. – 6 p.m. PST and Sat-Sun 8 a.m. – 4 p.m. PST.
When you fill out the credit application at the dealer to use your CycleCredit pre-approval offer, you may be interested in, or the dealer may offer you additional products, such as extended warranties, service contracts and GAP coverage.
You should evaluate the products independently to determine whether they make sense for you from both a product and financial standpoint.
Service contracts and extended warranties are optional products commonly offered by dealers either directly or through third parties. These products extend or supplement manufacturers’ warranties, covering certain repairs or services on your vehicle.
GAP is an optional coverage that provides extra financial protection in the event of the total loss of a vehicle due to collision or theft. Generally, regular auto insurance covers damages up to a vehicle’s current market value, not what you owe on the vehicle. GAP typically covers part or all of the difference between the balance of what you owe on a vehicle and what the insurance company pays if the car is considered a covered total loss.
The maximum Credit Amount may vary depending on the value of the vehicle you choose to finance. Please keep in mind this amount may include the sales price of the vehicle, applicable taxes and fees, and any optional warranty or insurance products you choose to purchase.
The maximum Credit Amount is also subject to verification of the personal income you stated on your application.
Depending on your application qualifications cash down may be required if the total cost of the vehicle you’re considering, after any trade-in, is more than the maximum Credit Amount listed in your offer. In that case, you would have to put cash down in order to finance that vehicle. In all cases, the Credit Amount may include the vehicle sales price, tax, title, licensing fees, lease fees, dealer fees, and optional products like GAP coverage and extended warranty.
Yes. If you received an email or a mail offer for pre-approved lease/loan at a specific dealer, that pre-approved offer can only be used at the dealer listed on the mail offer. Please refer to the offer details contained in the mailing for any questions you have.
You can check the status of your pre-approval offer or documentation requests online by logging into your account.
You may also check your pre-approval offer status by calling us at 1.844-419-2509 or reach a Customer Service Representative, available by phone during our business hours which are Mon-Fri 8 a.m. – 6 p.m. PT and Sat 9 a.m. – 4 p.m. PT.
You will receive a confirmation email upon receipt of any submitted documents. You can also view the status of any pending requested documents online once you have logged into your CycleCredit pre-approval offer.
To avoid processing delays, please be sure to include your reference number, as indicated in your dashboard, when sending documentation requests to us.
You have the option of using our online tool to securely upload, or fax (1-310-440-4191), the proof of residence prior to visiting the dealer
What is needed?
A copy of a utility bill in your name dated within the last 30 days is needed to
verify the address you submitted.
Why is it needed?
In processing your offer request, we discovered the address on your form does not
match the address listed in one or more of the credit reports that we used.
In order to verify that the address on your form is your correct and current address, we are requiring that you provide proof of your residence.
If this is simply a case of your address being incorrect on your credit report, you may want to inform the credit bureaus below of your correct address:
Experian
P.O. Box 2022
Allen TX 75013-0036
(888) 397-3742
Equifax
P.O. Box 740241
Atlanta GA 30374-0241
(800) 685-1111
TransUnion
2 Baldwin Place
P.O. Box 1000
Chester PA 19022
(800) 888-4213
W-2 Employees: You must provide a copy of your most recent two pay stubs. The pay stubs must be computer-generated, include year-to-date earnings and taxes withheld, contain no alterations, and must have been issued within 40 days of the submitted date. A 90-day history is required to include overtime, commission, and bonuses. From January through April, a W-2 or year-end pay stub from the prior year (in addition to the most recent pay stub) is necessary to include income other than base salary.
W-2 Employees with Handwritten Pay Stubs: If you receive non-computer-generated pay stubs, you must submit a signed and dated letter from your employer on company letterhead stating your name, date of hire, year-to-date income, pay frequency, and taxes withheld. In addition, we must receive either (1) copies of your three most recent complete bank statements reflecting consistent, consecutive deposit amounts, or (2) copies of your three most recent concurrent cashed handwritten paychecks.
1099 Employees: You must be employed with your current employer for at least 90 days, provide copies of your three most recent personal bank statements reflecting consistent, consecutive deposits that indicate source and amounts, as well as a verifiable HR phone number. Please note: in order for 1099 income to be considered, "self-employed" you must have selected it as the "employment status" when submitting your information.
Self-Employed: You must be self-employed for at least two years, and provide copies of your three most recent personal bank statements reflecting consistent, consecutive deposits that indicate source and amounts. Please note: in order for 1099 income to be considered, "self-employed" you must have selected it as the "employment status" when submitting your information.
New W-2 Employment Income: If you who have not received your first pay stub, you must submit a letter of employment or offer-letter signed and dated on company letterhead stating your name, start date, base pay, and a verifiable HR phone number. You must have already started your new job. We will not accept a pay stub from a previous employer.
Second Job: Income from a second job will be considered if you have been employed at the secondary job a minimum of six months.
Tip Income: In order for tip income to be considered, it must be included in your earnings listed on your pay stub.
Temporary Workers: If you are an employee of temporary staffing agencies, you must be on a full-time assignment and provide a copy of your most recent pay stub showing a minimum of 90 consecutive days of income and taxes withheld. We will not accept a pay stub from a previous employer.
Military Income: In order for military income to be accepted you must submit a copy of the most recent Leave and Earnings Statement (LES) showing year-to-date income. A 90-day history is required to include income beyond base pay, BAH, and BAS. From January through April, a W-2 or yearend LES from the prior year (in addition to the most recent LES) is necessary to include additional income.
Seasonal Income: You must be currently and actively employed. You must be a W-2 employee with a minimum of 2 years with your seasonal employer. You must provide your previous two years' W-2's, and your most recent pay stub. The pay stub must be computer-generated, include year-to-date earnings and taxes withheld, contain no alterations, and must have been issued within 40 days of the submitted date.
Child Support / Alimony / Foster Care: In order for child support/ alimony to be accepted, you must submit a copy of the signed and dated court order*, which clearly states the dollar amount to be paid. In addition, you must provide either the three most recent child support/alimony pay stubs, or three most recent months' bank statements showing the deposits. *Only the pages of the court order that contain your name, amount to be paid, judge's signature and date are required.
Social Security Benefit / Permanent Disability / Pension: In order for social security benefits, permanent disability, or pension income to be accepted, you must submit either (1) a copy of their dated benefit letter* (no older than one year from the submitted date) with your name or social security number, and benefit amount or (2) your most recent bank statement that shows the direct deposit(s) indicating source and amount. *If you receive social security income or other benefit compensation on behalf of another person, you must submit a benefit letter with the same criteria showing the amount is payable to you on behalf of that person.
Worker’s Compensation: In order for Worker’s Compensation to be accepted you must submit a copy of your dated benefit letter (no older than one year from the submitted date) with your name or social security number, and benefit amount. Disability must be permanent or partial-permanent.
IRA / 401K / Retirement: In order for IRA, 401K, or other retirement income to be accepted you must submit either (1) your previous year's tax form 1099-R, (2) a copy of their dated benefit letter (no older than one year from the submitted date) with your name or social security number, and benefit amount, or (3) your most recent bank statement that shows the direct deposit(s) indicating source and amount.
Annuity / Trust Fund: In order for income from an Annuity or a Trust Fund to be accepted, you must submit either (1) a copy of a benefit letter (dated within one year of the submitted date) naming you as the beneficiary, and including the source, amount, and term, or (2) three most recent personal bank statements reflecting consistent, consecutive deposits that indicate source and amounts.
Union Workers: Salaried union workers who work multiple jobs during the course of the year must submit either (1) copies of all current-year pay stubs to establish total year-to-date earnings, or (2) your most recent pay stub along with a letter from Union Local on letterhead that states your name, membership date, and year-to-date earnings.
Income Paid in Foreign Currency: You must provide your three most recent personal bank statements reflecting consistent, consecutive deposits that indicate source and amounts showing the income is being deposited into a U.S. bank and converted to U.S. dollars. A copy of the pay stub in foreign currency is not accepted.
Office of Family Assistance (OFA): In order for OFA income to be accepted, you must submit written documentation from the appropriate state office showing the amount and identification of the beneficiary.
Rental Income: Rental income is considered self-employed income (see above requirements).
Lottery Winnings: Lottery winnings will be considered if you receive regular payments. Your must provide documentation from the State Lottery Board showing your name, payment amount, and pay frequency. A one-time lump sum payment will not be considered as income.
Grants & Financial Aid: Grants and/or financial aid income is not accepted.
Capital Gains and Dividends: Capital gains, dividends, and/or any other income reported on a tax form 1099-DIV at yearend is not accepted.
If you did not submit this request for a pre-approval offer with us and think that someone else may have improperly used your identity to request a pre-approval offer, please call us at 1-844.419.2509.
Identity theft is a serious national problem. If you think you have been the victim of identity theft we recommend taking one or more of the following steps immediately:
· Contact the credit bureaus at the numbers referenced above to check for errors on your credit bureau report.
· File a police report.
· You may want to seek the advice of an attorney.
· Visit www.consumer.gov/idtheft, the Federal Trade Commission's Web site on identity theft.
