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Motorcycle Buying Tips

Consider these tips before purchasing the bike of your dreams!

Some riders would admit there is nothing more exhilarating than conquering the open road, especially in the fall. It’s a great time to take the long way home and cruise those country roads. If you have been thinking about purchasing a motorcycle but were unsure what to do next, consider these tips before making the big purchase:

Preference – What type of bike do you want? Whether it’s a sports bike or a cruiser, you want to consider the size of the bike, power, speed and comfort. There are many different brands and styles of motorcycles available but you want to make sure that you are purchasing the one that fits your lifestyle. The best way to do this is by researching different types of bikes. Once you have narrowed down your selection, visit the dealership and take a test drive.

Safety – When it comes to motorcycle riding, there is nothing more important than safety. If you are a new rider, you may want to consider a Motorcycle Safety course, where you can learn how to handle the bike. Having the right protective gear is also very critical. Unlike cars, motorcycles do not provide much protection in the event of an accident. But you can safeguard yourself by wearing a helmet, riding pants, a jacket, gloves and boots.

Cost – Consider these questions… Do you want a new or used motorcycle? When do you plan to buy the motorcycle? Many dealerships offer end of year discounts because they need to sell their current stock of bikes to make space for the new models. How much will insurance cost? Since there is typically more maintenance required for motorcycles than cars, will you be able to afford the upkeep? Have you priced the cost of accessories and safety gear? These are important questions for you to answer before you purchase the bike of your dreams.

Utilities Employees Credit Union provides affordable financing options for riders, we just dropped our motorcycle loan rates to as low as 3.99% APR*. We’ve also simplified the application process. You can now get pre-qualified for a motorcycle loan in minutes. You can apply online at or through our mobile banking app. Remember to get pre-qualified before you visit the dealership, to ensure that you are getting the best deal possible. If you have questions, please contact a Financial Service Consultant at 800-288-6423 Ext. 4001.





* APR=Annual Percentage Rate. Lowest quoted rate is based upon an evaluation of credit-worthiness criteria and maintaining an active UECU checking account (at least one transaction per month). Rate quoted for a 60-month term and 2015/2016 model years; your actual rate may differ. Motorcycle loan rates range from 3.99% APR to 15.50% APR. Loan is subject to underwriting and approval. Rate quoted is for new loans only; refinancing of existing UECU loans are not eligible. Certain model year and term restrictions apply. Limited time offer. May be discontinued at any time without prior notice. Equal Opportunity Lender.