How CycleCredit Works

  • CHECK YOUR CREDIT AMOUNT

    Get pre-approved for motorcycle financing instantly.

  • COMPARE YOUR OPTIONS

    Know the estimated monthly payment and the credit amount.

  • COMPLETE YOUR FINANCING

    Sign your contract at the dealer.

Credit trouble in the past? No problem!

We help people with credit trouble get new and used motorcycles every day.
The application process is fast and easy.

Check Your Offers

Some of our happy customers

30,000+ and counting

James Lewis

“Very easy to work with and the approval process was painless. Payments are affordable and the down payment was way lower than expected. Thank you so much. We love our new toy!”

Lauren Johnson

“They were very quick and helpful throughout the entire process from application all the way to signing my paperwork. Very professional company and will do business with them again in the future. Highly recommend!”

Rick Schofield

“Company has gone above and beyond to help me with the purchase of my motorcycle! Even picking up the ball when my dealership almost dropped it! I would highly recommend working with them if you’re in the market for a new toy!!”

Frequently Asked Questions

1. How do I use my pre-approval offer?

Your pre-approval offer comes into play after you choose the vehicle you want to lease and negotiate the price and other terms with the dealer. The dealer will ask you to complete a full credit application that allows the dealer to finalize the transaction.

Knowing your terms in advance allows you to take control of your financing decision. To complete your vehicle financing using your offer, you will sign a contract with the dealer. The contract will include your final terms and conditions.

2. Are there any restrictions with my pre-approval offer?

Your pre-approval offer can only be used at an eligible dealer towards the financing of a new or used motorcycle, trike, ATV/UTV or a personal watercraft intended for personal use.

Your offer cannot be used to finance commercial vehicles, branded title vehicles, or vehicles without a Vehicle Identification Number (VIN) or title issued. We may determine a vehicle to be commercial or otherwise ineligible based on the model and/or information provided to us.

3. How do the terms on my pre-approval offer match with what I receive at the dealer?

We evaluate your eligibility for a pre-approval offer prior to receiving your credit application at the dealer in order to provide you with pre-approval offer terms. This allows us to match your offer terms upon receipt of your credit application from an eligible dealer so that you receive the same financing terms from the dealer that were presented to you in your offer.

If you have any questions or concerns when using your CycleCredit provided pre-approval offer at an eligible dealer, please call us toll-free at 1.833-763-2460 during our business hours to speak with a Customer Service Representative. Business hours to reach a customer service representative by phone are Mon-Fri 8 a.m. – 6 p.m. PT and Sat 8 a.m. – 4 p.m. PT.

4. Where can I use my offer?

Your pre-approval offer is only valid at eligible dealers. Our advisors can assist you with finding a dealer in our network that is in close proximity to your location with the right vehicle inventory. If you already have a vehicle in mind that is at a dealership that is not in our network, please provide their information to our team and we will gladly get in touch with them to include in our dealer network.

5. When does my pre-approval offer expire?

Your pre-approval offer expires 30 days after your offer date. You may use your offer on the expiration date, but not on any day thereafter. If your offer expires before you are ready to finance a vehicle, please re-submit your information to check your eligibility for a new offer.

1. Do I need to submit a credit application at the dealer?

No. Your financing approval will be finalized through CycleCredit directly. You will not have to submit a credit application to the dealership.

2. I want to use my CycleCredit pre-approval offer. What will I need to bring with me to the dealer?

All required documentation will be collected by CycleCredit prior to your visit to the dealership. The only thing that is required is if your financing has a down payment, this will be paid to the dealership directly.

3. Can I trade in my current vehicle when using my CycleCredit pre-approval offer?

Yes, you can trade in your vehicle when using your CycleCredit offer. The dealer will negotiate and agree on the trade-in price of your vehicle and the price of the vehicle you wish to purchase. The dealer will charge or credit you with the difference between the value of your trade-in and the payoff amount on your contract, if applicable.

4. What should I do if a dealer has questions about my CycleCredit pre-approval offer or is reluctant to accept it?

The dealership is welcome to call our offices with any questions.

5. What are Service Contracts, Extended Warranties and GAP coverage?

Service contracts and extended warranties are optional products commonly offered by dealers either directly or through third parties. These products extend or supplement manufacturers’ warranties, covering certain repairs or services on your vehicle.

GAP is an optional coverage that provides extra financial protection in the event of the total loss of a vehicle due to collision or theft. Generally, regular auto insurance covers damages up to a vehicle’s current market value, not what you owe on the vehicle. GAP typically covers part or all the difference between the balance of what you owe on a vehicle and what the insurance company pays if the car is considered a covered total loss.

1. What factors may limit the maximum Credit Amount for my offer?

The maximum Credit Amount varies depending on the value of the vehicle you choose to finance and your creditworthiness. Well qualified applicants can finance upwards of 125% of the vehicle value up to $25,000. Individual approval amounts are adjusted based on requested vehicle and credit profile.

The maximum Credit Amount may also be subject to verification of the personal income you stated in your application, depending on your credit profile.

2. Will cash down be required?

Depending on your application qualifications cash down may be required if the total cost of the vehicle you’re considering, after any trade-in, is more than the maximum Credit Amount listed in your offer. In that case, you would have to put cash down in order to finance that vehicle. In all cases, the Credit Amount may include the vehicle sales price, tax, title, licensing fees, lease fees, dealer fees, and optional products like GAP coverage and extended warranty.

1. How can I check the status of my pre-approval offer or documentation requests?

You can check the status of your pre-approval offer or documentation by emailing support@motorcyclegroup.com.

You may also check your pre-approval offer status by calling us at 833-763-2460.

2. How will I know that you received the documentation that I submitted online?

Your dedicated advisor can update you as documents are received and processed. You will also be provided with a dedicated portal where you can upload documents and check on the status of your approval.

3. How do I provide proof of my residence?

You have the option of using our online tool to securely upload.

What is needed?
A copy of a utility bill in your name dated within the last 30 days is needed to verify the address you submitted.

Why is it needed?
In processing your offer request, we discovered the address on your form does not match the address listed in one or more of the credit reports that we used.

In order to verify that the address on your form is your correct and current address, we are requiring that you provide proof of your residence.

If this is simply a case of your address being incorrect on your credit report, you may want to inform the credit bureaus below of your correct address:

Experian
P.O. Box 2022
Allen TX 75013-0036
(888) 397-3742

Equifax
P.O. Box 740241
Atlanta GA 30374-0241
800) 685-1111

TransUnion
2 Baldwin Place

P.O. Box 1000
Chester PA 19022
(800) 888-4213

4. How do I provide proof of my monthly income?

W-2 Employees: You must provide a copy of your most recent pay stub. The pay stub must be computer-generated, include year-to-date earnings and taxes withheld, contain no alterations, and must have been issued within 40 days of the submitted date. A 90-day history is required to include overtime, commission, and bonuses. From January through April, a W-2 or year-end pay stub from the prior year (in addition to the most recent pay stub) is necessary to include income other than base salary.

W-2 Employees with Handwritten Pay Stubs: If you receive non-computer-generated pay stubs, you must submit a signed and dated letter from your employer on company letterhead stating your name, date of hire, year-to-date income, pay frequency, and taxes withheld. In addition, we must receive either (1) copies of your three most recent complete bank statements reflecting consistent, consecutive deposit amounts, or (2) copies of your three most recent concurrent cashed handwritten paychecks.

1099 Employees: You must be employed with your current employer for at least 90 days, provide copies of your three most recent personal bank statements reflecting consistent, consecutive deposits that indicate source and amounts, as well as a verifiable HR phone number. Please note: in order for 1099 income to be considered, "self-employed" you must have selected it as the "employment status" when submitting your information.

Self-Employed: You must be self-employed for at least two years and provide copies of your three most recent personal bank statements reflecting consistent, consecutive deposits that indicate source and amounts. Please note: in order for 1099 income to be considered, "self-employed" you must have selected it as the "employment status" when submitting your information.

New W-2 Employment Income: If you have not received your first pay stub, you must submit a letter of employment or offer-letter signed and dated on company letterhead stating your name, start date, base pay, and a verifiable HR phone number. You must have already started your new job. We will not accept a pay stub from a previous employer.

Second Job: Income from a second job will be considered if you have been employed at the secondary job for a minimum of six months.

Tip Income: For tip income to be considered, it must be included in your earnings listed on your pay stub.

Temporary Workers: If you are an employee of temporary staffing agencies, you must be on a full-time assignment and provide a copy of your most recent pay stub showing a minimum of 90 consecutive days of income and taxes withheld. We will not accept a pay stub from a previous employer.

Military Income: For military income to be accepted you must submit a copy of the most recent Leave and Earnings Statement (LES) showing year-to-date income. A 90-day history is required to include income beyond base pay, BAH, and BAS. From January through April, a W-2 or yearend LES from the prior year (in addition to the most recent LES) is necessary to include additional income.

Seasonal Income: You must be currently and actively employed. You must be a W-2 employee with a minimum of 2 years with your seasonal employer. You must provide your previous two years' W-2's, and your most recent pay stub. The pay stub must be computer-generated, include year-to-date earnings and taxes withheld, contain no alterations, and must have been issued within 40 days of the submitted date.

Child Support / Alimony / Foster Care: For child support/ alimony to be accepted, you must submit a copy of the signed and dated court order*, which clearly states the dollar amount to be paid. In addition, you must provide either the three most recent child support/alimony pay stubs, or three most recent months' bank statements showing the deposits. *Only the pages of the court order that contain your name, amount to be paid, judge's signature and date are required.

Social Security Benefit / Permanent Disability / Pension: In order for social security benefits, permanent disability, or pension income to be accepted, you must submit either (1) a copy of their dated benefit letter* (no older than one year from the submitted date) with your name or social security number, and benefit amount or (2) your most recent bank statement that shows the direct deposit(s) indicating source and amount. *If you receive social security income or other benefit compensation on behalf of another person, you must submit a benefit letter with the same criteria showing the amount is payable to you on behalf of that person.

Worker’s Compensation: For Worker’s Compensation to be accepted you must submit a copy of your dated benefit letter (no older than one year from the submitted date) with your name or social security number, and benefit amount. Disability must be permanent or partial-permanent.

IRA / 401K / Retirement: In order for IRA, 401K, or other retirement income to be accepted you must submit either (1) your previous year's tax form 1099-R, (2) a copy of their dated benefit letter (no older than one year from the submitted date) with your name or social security number, and benefit amount, or (3) your most recent bank statement that shows the direct deposit(s) indicating source and amount.

Annuity / Trust Fund: In order for income from an Annuity or a Trust Fund to be accepted, you must submit either (1) a copy of a benefit letter (dated within one year of the submitted date) naming you as the beneficiary, and including the source, amount, and term, or (2) three most recent personal bank statements reflecting consistent, consecutive deposits that indicate source and amounts.

Union Workers: Salaried union workers who work multiple jobs during the course of the year must submit either (1) copies of all current year pay stubs to establish total year-to-date earnings, or (2) your most recent pay stub along with a letter from Union Local on letterhead that states your name, membership date, and year-to-date earnings.

Income Paid in Foreign Currency: You must provide your three most recent personal bank statements reflecting consistent, consecutive deposits that indicate source and amounts showing the income is being deposited into a U.S. bank and converted to U.S. dollars. A copy of the paystub in foreign currency is not accepted.

Office of Family Assistance (OFA): For OFA income to be accepted, you must submit written documentation from the appropriate state office showing the amount and identification of the beneficiary.

Rental Income: Rental income is considered self-employment income (see above requirements).

Lottery Winnings: Lottery winnings will be considered if you receive regular payments. You must provide documentation from the State Lottery Board showing your name, payment amount, and pay frequency. A one-time lump sum payment will not be considered as income.

Grants & Financial Aid: Grants and/or financial aid income are not accepted.

Capital Gains and Dividends: Capital gains, dividends, and/or any other income reported on a tax form 1099-DIV at yearend is not accepted.

5. What do I do if I did not submit a pre-approval request, and What do I do if I think this is a result of identity theft?

If you did not submit this request for a pre-approval offer with us and think that someone else may have improperly used your identity to request a pre-approval offer, please email us at support@motorcyclegroup.com

Identity theft is a serious national problem. If you think you have been the victim of identity theft, we recommend taking one or more of the following steps immediately:

· Contact the credit bureaus at the numbers referenced above to check for errors on your credit bureau report.

· File a police report.

· You may want to seek the advice of an attorney.

· Visit Visit www.consumer.gov/idtheft, the Federal Trade Commission's Web site on identity theft.