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The vehicle you want, the rate you deserve.

New car, used car, or something with two wheels, we'll help you get there with competitive rates and zero unnecessary fees.

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AUTO LOANS

Putting you in the driver's seat.

Tired of all those auto loans that seem to come with more strings attached than finance? No application fees, no prepayment penalties, and 100% financing with straightforward terms, competitive rates, and a team that treats you like an adult.

  • Financing for new and used vehicles.
  • 100% financing for qualified applicants.
  • Repayment periods up to 60 months.
  • Competitive rates with no surprises.
  • No application fees.
  • Save 0.50%* on Your Rate — Set up automatic payments from an Arise Spending Account and enjoy a lower auto loan rate.
  • No penalties for paying it off early.
  • Refinancing options available if your current rate isn't working for you.
  • Your First Set of Keys Starts Here. Special discounts available for first-time auto buyers.
Apply Now
WHAT YOU NEED TO KNOW
  • Financing 100% for qualified applicants
  • Repayment terms Up to 60 months
  • Application fee $0
  • Prepayment penalty None
  • Vehicle types New and used
  • Refinancing Available
  • NCUA insured Up to $250,000

MOTORCYCLE LOANS

The open road is calling. We'll help you answer.

Whether you're a weekend rider, or a daily commuter, our motorcycle loans offer 100% financing, competitive rates, and none of the fees that slow you down.

  • Repayment periods up to 48 months.
  • Competitive rates.
  • No application fees.
  • No prepayment penalties.
  • Refinancing options available.
  • 100% financing for qualified applicants.
Apply Now
WHAT YOU NEED TO KNOW
  • Financing 100% for qualified applicants
  • Repayment terms Up to 48 months
  • Application fee $0
  • Prepayment penalty None
  • Refinancing Available
  • NCUA insured Up to $250,000

Find your rate with no commitments

Everything we do is completely transparent. Including our rates. Compare them now.

Check Rates

Compare

Side by side, so you can decide.

Whether you're buying a car or a bike, the details matter.

Product Auto Loan Motorcycle Loan
Vehicles covered New and used cars, SUVs, trucks New and used motorcycles
Financing Up to 100% for qualified applicants Up to 100% for qualified applicants
Repayment terms Up to 60 months Up to 48 months
Application fee $0 $0
Prepayment penalty None None
Refinancing Available Available
Apply Now Apply Now

  • Vehicles covered

    Auto Loan New and used cars, SUVs, trucks
    Motorcycle Loan New and used motorcycles
    Apply Now

  • Financing

    Auto Loan Up to 100% for qualified applicants
    Motorcycle Loan Up to 100% for qualified applicants
    Apply Now

  • Repayment terms

    Auto Loan Up to 60 months
    Motorcycle Loan Up to 48 months
    Apply Now

  • Application fee

    Auto Loan $0
    Motorcycle Loan $0
    Apply Now

  • Prepayment penalty

    Auto Loan None
    Motorcycle Loan None
    Apply Now

  • Refinancing

    Auto Loan Available
    Motorcycle Loan Available
    Apply Now
Smarter Banking. More Living. Built for Members. Designed for Life. Life Comes First. Simple. Smart. Human. Banking Built for Real Life. Move Forward with Confidence. Better Banking, Better Living. Smarter Banking. More Living. Built for Members. Designed for Life. Life Comes First. Simple. Smart. Human. Banking Built for Real Life. Move Forward with Confidence. Better Banking, Better Living.

Auto & Motorcycle loans.

Don't stall. It's simple, fast, and designed to get you moving.

Apply For Loan
Step 01

Apply online, on the phone, or in branch.

Apply in minutes from wherever you are, online, on your phone, or face-to-face at your local branch.

Step 02

Get your decision and rates.

We'll review your application and come back to you with a clear decision and your personalized rate.

Step 03

Finalize and drive away.

Once you're happy with your terms, we'll wrap up the paperwork and get you on the road. That's the whole process.

Your Auto & Motorcycle loan questions, answered.

The ones we hear most. Answered plainly, without the fine print.

Can I finance 100% of my vehicle purchase?
Yes. Qualified borrowers may be eligible for 100% financing on both auto loans and motorcycle loans, which means a down payment may not be required.
Do you charge an application fee?
No. Arise Financial does not charge an application fee for auto loans or motorcycle loans.
Are there prepayment penalties on auto or motorcycle loans?
No prepayment penalties ever. If you want to pay it off ahead of schedule, go right ahead. We won't charge you for it.
What is the maximum term for an auto loan?
Auto loan repayment terms are available for up to 60 months, subject to credit approval and loan qualifications.
Can I refinance my current vehicle loan?
Motorcycle loan repayment terms are available for up to 48 months, subject to credit approval and loan qualifications.
Can I refinance my current auto loan or motorcycle loan?
Yes. We finance both new and used vehicles, so whether you're buying straight from the lot or picking up a pre-owned car or bike, we've got you covered.
Do you finance used cars and used motorcycles?
Yes. Financing is available for both new and used vehicles, including cars, trucks, SUVs, and motorcycles.
Can I apply online?
Yes. You can apply for an auto loan or motorcycle loan online, through the Arise mobile app, or by visiting any Arise branch.
What interest rate will I receive on my vehicle loan?
Your auto loan or motorcycle loan rate is based on factors such as your creditworthiness, loan term, vehicle type, and overall financial profile. Check current rates or apply to receive personalized loan options.
How long does it take to get approved for an auto loan?
Approval times vary based on the application and supporting documentation. Our lending team works to review applications as quickly as possible and keep you informed throughout the process.
What documents do I need to apply for a vehicle loan?
Requirements vary, but you may be asked to provide identification, proof of income, and information about the vehicle you plan to purchase or refinance.

Terms & Conditions

*APR = Annual Percentage Rate shown represents lowest rate currently available as of January 1, 2026 and is subject to change.

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We're here for you.

Our team is ready to help you reach your goals with personalized support and guidance.

Contact Us
Visit a Branch Find a branch or ATM near you. Find Locations Message Us Get help from our team when you need it. Send a Message Call Us (781) 878-4000
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Sat: 9am – 1pm View All Hours