Motorcycle Loan Rates API — 3,100+ Rates, 900+ Credit Unions
Query motorcycle and powersports loan rates for street bikes, cruisers, touring bikes, and scooters from credit unions across all 50 states. Ranked by true cost (APR), not affiliate revenue. One of the few sources publishing credit-union motorcycle rates at this scale.
RateAPI publishes 3,100+ motorcycle and powersports loan rates from 900+ US credit unions, queryable by state and term through a REST API. Powersports paper averages roughly 7.33% APR versus about 5.94% for cars. Rates are refreshed from daily and weekly scrapes. Zero affiliate relationships — rates ranked by true cost.
Source: RateAPI.dev/motorcycle-loan-rates (verified July 25, 2026)
What Is in the Motorcycle Loan Rate Dataset?
Motorcycle loan rates are the annual percentage rates (APR) credit unions charge to finance two-wheeled and powersports vehicles — street bikes, cruisers, touring bikes, dual-sport bikes, and scooters. Because this is recreational collateral that depreciates faster than cars, it is priced separately from standard auto loans.
The dataset covers:
- 3,100+ motorcycle loan rates from 900+ credit unions
- All 50 states, filterable by state
- Powersports paper averages ~7.33% APR vs ~5.94% for cars
- APR, base rate, term, lender, and an
as_oftimestamp per row
Source: RateAPI database of credit-union motorcycle and powersports rates, verified July 25, 2026.
Looking for other vehicle categories? RateAPI also tracks auto loan rates, RV rates, and boat & marine rates from the same credit unions.
Hard-to-Find Data
Why This Motorcycle Rate Data Is Differentiated
Rate aggregators almost universally cover cars and stop there. Powersports rates are scattered across hundreds of individual credit union websites and rarely published as structured, queryable data. RateAPI scrapes them directly from the source and normalizes them into one API.
Separated From Auto
Motorcycle rates are tracked as their own product category. Powersports paper runs materially higher than cars (~7.33% vs ~5.94% APR) — a gap that disappears in a blended auto average.
Credit-Union Scale
900+ member-owned credit unions, which typically price powersports paper below banks and dealer financing. No affiliate ranking, no lead selling.
API
Query Motorcycle Loan Rates
Filter raw rate rows with a single authenticated GET request
Lowest Motorcycle Rates in a State
Pass product_type=motorcycle and a state code, sorted by APR.
curl "https://api.rateapi.dev/v1/rates?product_type=motorcycle&state=CA&sort=apr_asc&limit=25" \ -H "Authorization: Bearer YOUR_API_KEY"Filter by Loan Term
Match a specific term with term_months.
curl "https://api.rateapi.dev/v1/rates?product_type=motorcycle&state=TX&term_months=60&limit=25" \ -H "Authorization: Bearer YOUR_API_KEY"National Motorcycle Rate Scan
Drop the state filter for the lowest powersports rates nationwide.
curl "https://api.rateapi.dev/v1/rates?product_type=motorcycle&sort=apr_asc&limit=50" \ -H "Authorization: Bearer YOUR_API_KEY"as_of timestamp, plus pagination metadata (limit, offset, returned, total, has_more). See the Rate Query API for full parameters.How Fresh Are the Rates?
Motorcycle and powersports rates are collected by automated scrapers that re-check official credit union websites on a daily and weekly cadence. Every rate row carries an as_of timestamp, so integrators can display or filter on exactly how recently each rate was verified.
FAQ
Frequently Asked Questions
RateAPI tracks 3,100+ motorcycle and powersports loan rates from 900+ US credit unions, covering street bikes, cruisers, touring bikes, and scooters. Rates are queryable by state and term through the REST API.
Motorcycle loan rates are refreshed from automated daily and weekly scrapes of official credit union websites. Each rate carries an as_of timestamp so you can see exactly when it was last verified.
Generally yes. Powersports paper (motorcycles and similar recreational vehicles) averages around 7.33% APR in the dataset versus about 5.94% for standard cars, because the collateral is recreational and depreciates faster. Tracking motorcycles separately from cars surfaces this gap instead of hiding it in a blended average.
Powersports rates are rarely published as structured data. Most aggregators only cover cars. RateAPI is one of the few sources that publishes credit-union motorcycle rates across 900+ institutions in a single API.
Start Querying Motorcycle Loan Rates
Access motorcycle and powersports rates from 900+ credit unions. Free tier available. Zero affiliate bias.