Refinance Your Motorcycle, Powersports, or Personal Watercraft Loan

If you're paying too much for your loan, see how much you could save every month.

APPLY NOW

No SSN Required, No Credit Impact, and No Commitment.

What Can I Refinance?

Steps to Refinancing

Calculate Your Loan

Refinance FAQs

Why You Should Consider Refinancing

Find A loan to fit your finances

Lower Your Rate

If your credit score has improved since your initial loan or you have a same-household co-borrower to add to your loan, you could qualify for a better rate.

Flexible Term Options

Looking to lower your monthly payment and free up some extra cash? Extending your loan term could help reduce your monthly expenses.

Want to pay off your loan faster or save on interest? Reducing your loan term could help you get out of debt sooner, though your monthly payments may be higher.

No Payment for Up to 45 Days

When you refinance through Ironhorse Funding you could qualify for up to 45 days before your first payment is due.

What Can I Refinance?

Motorcycles

Powersports + Personal Watercraft

Refinance your motorcycle loan with brands including Harley-Davidson, Yamaha, BMW, Indian, and more.

Refinance your ATV, UTV, dirt bike, four wheeler, snowmobile or jet ski, including popular brands like Polaris, Arctic Cat, Can-Am, Sea-Doo, and more.

Calculate Your Powersports, Personal Watercraft or Motorcycle Loan

Use the loan calculator to see what your personal watercraft, powersports, or motorcycle loan payment could look like.

Loan Calculator

How Does Refinancing Work?

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Step 1

GET PREQUALIFIED

Apply online to get an instant prequalification offer.

No impact to credit score. No commitment.

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Step 2

CHOOSE YOUR RATE

If you prequalify, review loan offers and select your rate and term. A loan specialist will reach out with details.

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Step 3

SUBMIT DOCUMENTS

If you're approved, securely upload the required documents through our mobile-friendly online portal.

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Step 4

E-SIGN

Electronically sign for your new loan and ride off on your next adventure.

APPLY TO REFINANCE

Hear From Our Customers

Couldn’t be happier with the experience of refinancing here. Everything was super quick, easy and no hassle at all.

Dillon at Ironhorse was able to significantly reduce my APR, enough to lower my payment $20 a month with 4 less payments resulting in a savings of approx. $2,000!

His customer service is great, he kept me posted with information in a timely manner and was very friendly. I would recommend them to anyone.

Everything went really smooth! It only took a couple days from start to signing paperwork!

PROTECTION PRODUCTS FOR YOUR RIDE

Cover Yourself From the Unexpected

Gap Insurance-2

GAP INSURANCE
GAP provides peace of mind. If there's a total loss on your vehicle, GAP insurance covers the financial gap between the value of your ride and your remaining balance.

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TIRE AND WHEEL COVERAGE
Tire and Wheel provides coverage in the event of damage to tires or wheels as a result of road hazards such as metal, nails, glass, debris, potholes, blowouts, and more.

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VEHICLE SERVICE CONTRACT
Vehicle service contracts are available at different term lengths for new and used rides to protect your vehicle after the dealer's or manufacturer's warranty has ended.

Motorcycle, powersports, personal watercraft refinance faqs

Questions About Refinancing?

Contact Our Team