Upgrade Your Motorcycle Loan Payment
A Payment to fit your budget
Paying too much on your motorcycle loan? A motorcycle refinance could help you adjust the term of your loan or qualify for a better rate. Our team will work with you to find a loan that fits your refinancing goals.
Check your rate. See How much you could save
Ironhorse Funding has access to competitive rates and flexible terms. You could qualify for a lower rate, a term extension, or a combination of both. Apply for prequalification today to get instant rates. No social security number required, no impact to your credit score, and no commitment.
Currently accepting applications in the following states:
AL, AZ, AR, CA, CO, CT, DC, FL, GA, ID, IL, IN, IA, KS, KY, MD, MA, ME, MN, MI, MO, MT, ND, NE, NH, NJ, NM, NY, NC, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY.
Financing applied for and processed through the Ironhorse Funding platform is originated by Ironhorse Funding or one of its lending partners. Refer to transaction specific disclosures and loan documents for details and additional information.
How Does Motorcycle Refinancing Work?
GET PREQUALIFIED
Apply online to get an instant prequalification offer. No impact to credit score. No commitment.
CHOOSE YOUR RATE
If you prequalify, review loan offers and select your rate and term. A loan specialist will reach out with details.
SUBMIT DOCUMENTS
If you're approved, securely upload the required documents through our mobile-friendly online portal.
E-SIGN
Electronically sign for your new motorcycle loan and ride off on your next adventure!
Why Refinance Your Motorcycle?
You could qualify for a better motorcycle loan rate, adjust the term of your loan or both.
Get a Better Rate
If your credit score has improved since you took out your current loan, you may qualify for a lower rate. Add a same-household co-borrower who has a better credit score and get a lower rate. You may even qualify for a lower rate even if your credit score hasn’t changed. Dealerships don’t always have access to the lowest rates available.
Flexible Term OPTIONS
Extend Your Loan Term: Are you looking for ways to reduce your monthly expenses and free up some extra cash? Maybe you have a new purchase on the horizon, expecting an addition to the family, or furthering your education. Refinance your motorcycle to extend the term of your loan could provide the relief you need.
Reduce Your Loan Term: Are you looking to get out of debt faster or planning a big purchase, refinancing your motorcycle to reduce the loan term could help. If you can afford higher monthly payments, you could save big on interest in the long-run.
NO PAyment for up to 45 days
We understand the importance of being flexible. When you refinance your motorcycle through Ironhorse Funding, you can take advantage of up to 45 days before your first payment is due.
motorcycle refinancing FAQs
Protection Products for Your Motorcycle
Cover Yourself From the Unexpected
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.
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.
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.