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Routing Number: 272479663 Swift Code: MSUCUS44
 
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SmartLine Home Equity Loan
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Motorcycle & Motorsport Loan
Whether you're looking for a new or used motorcycle or motorsport vehicle, our loan offers low rates and flexible terms.

Rates as low as 3.49% APR for motorcycles and 3.89% APR for motorsport vehicles
• No application fee
• No down payment
• No prepayment penalties
• Flexible terms up to 84 months
ReadyLoan Check for motorcycles over 600CC

Apply for you Motorcycle or Motorsport Vehicle Loan online by clicking the "Add to Wallet" button below, within ComputerLine or the Mobile app, by phone or at a branch.

(Please note, some dealerships are not currently accepting MSUFCU ReadyLoan Checks at this time. Please contact the dealership to confirm.)
Step #1 - Find Your
Motorcycle
Search new or used motorcycles or motorsport vehicles, see what others paid for the same in your area, and see how much you could save with MSUFCU.
Step #2 - Apply
Apply for you Motorcycle Loan online by clicking the "Add to Wallet" button above, within ComputerLine or the Mobile app, by phone or at a branch.
Step #3 - Get a
Decision Fast
Applications can be reviewed in as little as 20 minutes. Receive your approval and to the dealership to get your motorcycle.
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How do I apply for a motorcycle or motorsport vehicle Loan?
Applications can be submitted online by logging into your account via ComputerLine and selecting "Apply for a Loan". You are also welcome to contact us over the phone at 517-333-2424, contact us via Live Chat, or visit any MSUFCU branch location.
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How do I make payments to my loan?
There are several options available to make loan payments. We offer manual one time payments or automatic payments based on your preference, and you may pay from an internal MSUFCU account or directly from another financial institution. Please note that if you have financed a vehicle through financing through the dealership prior to being a member, you will initially need to login to your new MSUFCU account. Please reach out to a representative for assistance if needed.

Members can choose:

• Internal transfer from an MSUFCU share using MoveMoney > Transfer Money in ComputerLine or the Mobile app. MoveMoney can also be used to schedule reoccurring payments from an MSUFCU savings or checking account.
• Manual one-time payment from an external account which can be initially set up by going to MoveMoney > Manage Preferences > External Transfers/ACH Accounts
• Automatic recurring payments from another financial institution by completing an ACH Origination form which can be located on our website here
• Loan payment by mail. Loan payments should be mailed to:

MSU Federal Credit Union
PO Box 4097
East Lansing, MI 48826-4097

For express mail, please send your payment to:
MSU Federal Credit Union
3777 West Rd.
East Lansing, MI 48823
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What interest rate do I qualify for? / What interest rate can I get?
You can view our current interest rates here. The term of the loan, and your Experian Credit Score, will affect the interest rate that we will be able to offer. We would be happy to review a full application over the phone at 517-333-2424, via Live Chat, in an MSUFCU Branch location, or you can apply online when logged into ComputerLine by selecting "Apply for a Loan".
View All FAQs
Reviews
4.98 stars out of 5
194 Member Reviews
5 stars out of 5
(192)
4 stars out of 5
(2)
3 stars out of 5
(0)
2 stars out of 5
(0)
1 stars out of 5
(0)
Rate this Product
Yamaha Sidewinder
5 stars out of 5
Needed to upgrade my ride for winter and have been wanting a sidewinder for a few years now. Bit the bullet on new years day to treat myself to a new sled and absolutely love it. I also started an account at MSU because a few family members reccomended it and i got my account made and loan finalized in 20 min on new years day! 5 stars for MSU for giving me an incredible rate on my new sled and 5 stars to the snowmobile i purchased. Makes every payment worth it!
Loan
5 stars out of 5
Easy to apply. Low Interest. Easy to manage bills with MSUFCU.
Very fair rate, easy process
5 stars out of 5
Was a very smooth experience, would do it again!
Good and safe
5 stars out of 5
Good bike for michigan roads and safe with family.
Nothing better!
5 stars out of 5
Motorsport Vehicles Less Than 600cc
Motorsport vehicles include motorcycles (less than 600cc), snowmobiles, ATVs, and personal watercraft, lawn and garden tractors, and untitled watercrafts.

Annual Percentage Rate (APR) is Annual Percentage Rate. Rate for motorsport vehicle loans are stated for qualified members having high credit scores. Actual rates may be higher and will be determined by a member's individual credit score.

Loan Payment Example: The monthly payment per $1,000 borrowed at 3.89% APR for a term of 36 months with 70% Loan to Value (LTV) would require 36 monthly payments of $29.48 based on 30 days to first payment. Credit is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors.

Motorsport Vehicles Greater Than 600cc
Annual Percentage Rate (APR) is Annual Percentage Rate October 01, 2016. Rate for motorsport vehicle loans are stated for qualified members having high credit scores. Actual rates may be higher and will be determined by member credit score.

Loan Payment Example: The monthly payment per $1,000 borrowed at 3.49% APR for a term of 36 months would require 36 monthly payments of $29.30 based on 30 days to first payment. Credit is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors.

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