---
title: "Motorcycle Loan Rates API"
description: "Motorcycle loan rate data: 3,100+ rates from 900+ US credit unions. Query by state and term via the REST API. Updated from daily/weekly scrapes. Zero affiliate bias."
canonical: "https://rateapi.dev/motorcycle-loan-rates"
last-updated: "2026-09-27"
source: "https://rateapi.dev/llms.txt"
---

# 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.

Get a Free API Key [API Documentation](https://api.rateapi.dev/)

Zero Affiliate Relationships Daily & Weekly Scrapes 900+ Credit Unions

Last updated: September 26, 2026

[Home](https://rateapi.dev/) / Motorcycle Loan Rates

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](https://rateapi.dev/motorcycle-loan-rates) (verified September 26, 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_of` timestamp per row

Source: RateAPI database of credit-union motorcycle and powersports rates, verified September 26, 2026.

Looking for other vehicle categories? RateAPI also tracks [auto loan rates](https://rateapi.dev/auto-loan-rates) , [RV rates](https://rateapi.dev/rv-loan-rates) , and [boat & marine rates](https://rateapi.dev/boat-loan-rates) from the same credit unions.

3,100+

Motorcycle Rates

900+

Credit Unions

7.33%

Avg Powersports APR

Daily

& Weekly Scrapes

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.

$ Motorcycle rates in California

Copy

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` .

$ 60-month motorcycle rates in Texas

Copy

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.

$ Nationwide motorcycle rates

Copy

curl "https://api.rateapi.dev/v1/rates?product_type=motorcycle&sort=apr_asc&limit=50" \

- H "Authorization: Bearer YOUR_API_KEY"

Each row returns the lender, state, product type, rate, APR, term in months, and an `as_of` timestamp, plus pagination metadata (limit, offset, returned, total, has_more). See the [Rate Query API](https://rateapi.dev/rates-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.

How many motorcycle loan rates does RateAPI track?

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.

How often is motorcycle loan rate data updated?

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.

Are motorcycle loan rates higher than car loan rates?

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.

Where else can I find credit union motorcycle rates at this scale?

## Start Querying Motorcycle Loan Rates

Access motorcycle and powersports rates from 900+ credit unions. Free tier available. Zero affiliate bias.

Get Started [View Documentation](https://api.rateapi.dev/)

RateAPI

RateAPI Routes turns confirmed customer facts into source-backed shortlists of published products from 3,700+ tracked US credit unions. Every promoted route keeps its membership and price evidence.

[Get API key →](https://rateapi.dev/api-key) [Sign in](https://app.rateapi.dev)

### Build

- [RateAPI Routes →](https://rateapi.dev/routes)
- [Product Matching API](https://rateapi.dev/financial-product-eligibility-api)
- [Membership Eligibility API](https://rateapi.dev/api/eligibility)
- [Rate Query API](https://rateapi.dev/rates-api)
- [Decision API](https://rateapi.dev/api/reference)
- [Batch Decisions API](https://rateapi.dev/api/batch-decisions)

### Deliver

- [Developer Portal →](https://rateapi.dev/developers)
- [Create a free API key](https://rateapi.dev/api-key)
- [REST API docs](https://api.rateapi.dev/)
- [OpenAPI spec](https://api.rateapi.dev/openapi.json)
- [MCP Server](https://rateapi.dev/mcp)
- [Widget builder](https://rateapi.dev/widget-builder)
- [RateAPI Routes widget](https://rateapi.dev/widget-docs/routes)
- [Market Rates widget](https://rateapi.dev/widget-docs/rates)
- [Webhooks](https://api.rateapi.dev/webhooks)
- [Versioning & deprecation](https://rateapi.dev/deprecation-policy)
- [GitHub](https://github.com/rate-api)

### Solutions

- [Personal finance apps](https://rateapi.dev/use-cases/personal-finance-apps)
- [AI purchase advisors](https://rateapi.dev/use-cases/ai-purchasing-tools)
- [AI agents](https://rateapi.dev/use-cases/ai-agents)
- [Car buying platforms](https://rateapi.dev/use-cases/car-buying-platforms)
- [Credit unions](https://rateapi.dev/for-credit-unions)
- [Loan officers](https://rateapi.dev/use-cases/loan-officers)
- [Rate data for ALM](https://rateapi.dev/alm-rate-data)

### Trust

- [Data coverage](https://rateapi.dev/data-coverage)
- [Rate methodology](https://rateapi.dev/methodology)
- [Eligibility methodology](https://rateapi.dev/eligibility-methodology)
- [Transparency](https://rateapi.dev/transparency)
- [Independence](https://rateapi.dev/independence)
- [Corrections](https://rateapi.dev/corrections)
- [Pricing](https://rateapi.dev/pricing)
- [About](https://rateapi.dev/about)
- [Contact](https://rateapi.dev/contact)
- Talk to a human

### Inspect the data behind the API

Public data explorer

- [Current mortgage rates](https://rateapi.dev/current-mortgage-rates)
- [Current auto rates](https://rateapi.dev/current-auto-loan-rates)
- [Current CD rates](https://rateapi.dev/current-cd-rates)
- [Current HELOC rates](https://rateapi.dev/current-heloc-rates)
- [Current personal loan rates](https://rateapi.dev/current-personal-loan-rates)
- [Mortgage rates](https://rateapi.dev/mortgage-rates)
- [Refinance rates](https://rateapi.dev/refinance-rates)
- [Auto loan rates](https://rateapi.dev/auto-loan-rates)
- [RV loan rates](https://rateapi.dev/rv-loan-rates)
- [Boat rates](https://rateapi.dev/boat-loan-rates)
- [Motorcycle rates](https://rateapi.dev/motorcycle-loan-rates)
- [HELOC rates](https://rateapi.dev/heloc-rates)
- [Personal loan rates](https://rateapi.dev/personal-loan-rates)
- [Credit card rates](https://rateapi.dev/credit-card-rates)
- [Deposit rates](https://rateapi.dev/deposit-rates)
- [CD rates](https://rateapi.dev/cd-rates)
- [Savings rates](https://rateapi.dev/savings-rates)
- [Money market rates](https://rateapi.dev/money-market-rates)
- [Credit union directory](https://rateapi.dev/credit-unions)
- [Who can join](https://rateapi.dev/who-can-join)
- [Mortgage benchmark](https://rateapi.dev/mortgage-rate-benchmark)
- [Auto benchmark](https://rateapi.dev/auto-loan-rate-benchmark)
- [HELOC benchmark](https://rateapi.dev/heloc-rate-benchmark)
- [Personal loan benchmark](https://rateapi.dev/personal-loan-rate-benchmark)
- [CD benchmark](https://rateapi.dev/cd-rate-benchmark)
- [Credit union rate index](https://rateapi.dev/credit-union-rate-index)
- [Deposit beta](https://rateapi.dev/deposit-beta)
- [Credit unions vs banks: mortgage](https://rateapi.dev/compare/credit-union-vs-bank-rates)
- [Credit unions vs banks: auto](https://rateapi.dev/compare/credit-union-vs-bank-auto-loan-rates)
- [Credit unions vs banks: HELOC](https://rateapi.dev/compare/credit-union-vs-bank-heloc-rates)
- [Credit unions vs banks: CD](https://rateapi.dev/compare/credit-union-vs-bank-cd-rates)
- [Mortgage rate API comparison](https://rateapi.dev/compare/mortgage-rate-apis)
- [Rate datasets](https://rateapi.dev/credit-union-rate-dataset)

© 2026 RateAPI · US credit unions only · Published pricing is not approval.

[Privacy](https://rateapi.dev/privacy) [Terms](https://rateapi.dev/terms) [llms.txt](https://rateapi.dev/llms.txt)

---

Source: https://rateapi.dev/motorcycle-loan-rates
Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp