Dirt Bike Loans

Financing your off-road adventures
With our fast and affordable dirt bike financing, you’ll be racing across the dunes or down the trail in no time.

Fast financing for dirt bikes


When it comes to financing a dirt bike, we believe it should be fast and affordable. We’ll help you get a great rate and flexible terms for your new or used off-road motorcycle. Refinancing options are also available, so if you have a motorcycle loan elsewhere, you can refinance here and lock in a lower monthly payment.


Our dirt bike loans feature:

  • Fixed rates as low as 5.49% APR
  • No application fees
  • Terms up to 6 years*
  • Onsite financing at many dealerships
  • Rate discounts with MyStyle Checking℠

Calculate your dirt bike loan payment



The trail starts here

Apply for your Mountain America dirt bike loan online, through the Mountain America mobile app or at a local branch. You can even ask for Mountain America financing at the dealership.

Get started

How Do I Finance a Dirt Bike?


Getting a dirt bike loan is similar to obtaining a loan for a car or other motorcycle. Knowing your credit score will help you better determine loan options, but typically a dirt bike loan involves three simple steps

  1. Get pre-approved for an affordable amount.
  2. Find a motorcycle from a dealer or private seller.
  3. Complete the loan, purchase the bike, and enjoy the dirt and trails ahead.

Dirt bike financing can also happen without preapproval. If you find a motorcycle you want, use the bike details to get motorcycle financing approval. However, you do run the risk of selecting a bike outside of you budget or above what you qualify for.

Motorcycle Insurance

Personalized coverage

Customize an insurance policy that meets your individual needs.

PowerSports Protection

Affordable mechanical coverage

Make sure your dirt bike repairs are covered.

Must Reads

Top tips before you buy

Get the best deal on a new or used vehicle.
*Annual percentage rate. Loans on approved credit. See current rates and terms. Membership required–based on eligibility. Rate includes 0.25% discount for MyStyle Checking. The minimum payment for a loan with a 5.49% APR and 5-year term is $19.10 per $1,000 borrowed. Actual APR based on credit worthiness.

**Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.