Women on four wheeler


Enjoy all Michigan has to offer, year-round! Cruise waterways on a jet ski or navigate undefined backroads in a UTV; our team makes financing your powersport loan easy.

What is a Powersport Loan?

Simply put, a powersport loan is when you borrow money to finance an off-road vehicle. Off-road vehicles can be defined as UTVs, ATVs, Quads, Jet Skis, Personal Watercrafts, Snowmobiles, Motorcycles and more. Financing an ATV or Snowmobile can pose an issue for some people because these vehicles do not always include a title.

How long can I finance a Powersport loan?

Christian Financial offers flexible terms when financing an off-road vehicle. With terms up to 84 months and low rates, owning that motorcycle that you have always dreamed of is as good as yours!

Can I refinance a powersport loan I have with another bank?

Absolutely! Our team will be happy to look at your rate and current term to see if we can help you save money on the cost of your current loan over its lifetime.

Are rates for a Boat or RV better than a Powersport Vehicle?

That is a tricky question... With a Boat or RV loan, you are typically requesting to borrow more money than you would purchase an off-road vehicle. The short answer is that the rates and terms for each of the loan options are different. Below you can find our most current rates for powersport loans, and you can find loan rates for boats and RVs on their respective pages.

Can I afford a powersport loan?

That depends on a few factors. Use our Powersports loan calculator to see what that jet ski, UTV, or Quad will cost you!

Effective May 29, 2023

Powersport Loans

(Motorcycles, Jet Ski's, Snowmobiles, Off-Road Vehicles, Camper Tops, Riding Lawn Tractors)

Term APR*
Up to 60 Months 5.99%
Up to 84 Months (must be over $10,000) 6.99%

*APR = Annual Percentage Rate. Rates shown are the best available, require automatic payments, are based on credit history, and subject to change without notice. Loans requested for more than 85% of collateral value may be subject to a higher rate of interest. Members refinancing existing Christian Financial Credit Union loans are subject to a higher rate of interest. Please see a CFCU Financial Service Representative for full details. For example, for a loan of $9,000 at 60 months with an interest rate of 5.99% APR, the payment will be $173.95. **Loan must be current (cannot be delinquent) to qualify for free annual Skip a Payment. Recreational vehicles only. Excludes loans written to covered borrowers under the Military Lending Act. The skipped payment will be added to the end of the loan and will extend the maturity date of the loan. If a scheduled payment for the loan has been set up through Online Banking or initiated by the member at another financial institution, the member is responsible for canceling the scheduled payment. Eligible loans may skip only one payment per calendar year. Recreational Vehicles that skip a payment are not eligible for the Holiday Skip a Payment program. Members refinancing existing Christian Financial Credit Union loans are subject to a higher rate of interest.

Contact Us:

35100 Van Dyke Ave
Sterling Heights, MI 48312


CFCU Routing & Transit Number: 272484289
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Christian Financial Credit Union was founded in 1950 and has grown to serve anyone who lives, works,
worships or goes to school in Macomb, Wayne, Oakland and St. Clair Counties. 
© 2006-2023 Christian Financial Credit Union  All Rights Reserved.
Federally insured by the NCUA
Equal Housing Opportunity Lender