Fast-Track Approvals
Own the Asphalt.
Finance Your Dream Ride.
Whether you are eyeing a sleek sportbike, a heavy-duty bagger, or a nimble street cruiser, secure low-rate motorcycle financing and ride off today.
New, Used & Private Sellers
Finance a brand-new bike straight off the showroom floor, or score a deal on a used motorcycle from a private party seller.
Finance Gear & Upgrades
Don't pay out of pocket for your helmet, leathers, or performance exhausts. Roll your essential riding gear directly into your loan.
Options for All Credit Types
Because motorcycle loans are secured by the bike itself, lenders are highly flexible. We secure approvals across the entire credit spectrum.
Check Your Rates
Compare custom rate quotes from top motorcycle lenders. Checking your options will NOT impact your credit score.
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Interactive Tool
Motorcycle Payment Estimator
Whether you want a $6,000 starter bike or a $30,000 touring motorcycle, estimate your monthly payment so you know exactly what fits your budget before you shop.
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Include taxes, dealer setup fees, and gear.
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Putting 10-20% down helps secure better interest rates.
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Projected Loan Costs
Estimated Monthly Payment
$326
Fixed Monthly Cost
Total Loan Amount
$13,500
Amount Financed
Estimated Total Interest
$2,165
Cost of Borrowing
Financing Your Ride: Know Your Options
Understand the difference between securing an independent motorcycle loan and relying on dealership financing.
| Feature | Secured Motorcycle Loan | Personal Loan | Dealer Financing |
|---|---|---|---|
| Collateral | The motorcycle acts as collateral. | None. Unsecured. | The motorcycle itself. |
| Credit Requirements | Lenient. Options for bad credit. | Requires Good to Excellent credit. | Strict for 0% promos; otherwise lenient. |
| Private Seller Purchases? | Yes. Buy from anywhere. | Yes. | No. Must buy from dealer inventory. |
| Roll in Gear/Upgrades? | Yes. Finance helmets, leathers, exhausts. | Yes. | Sometimes, depends on dealer limits. |
Motorcycle Financing FAQs
While a higher credit score (700+) secures the lowest interest rates, powersports lenders are highly flexible. Because the motorcycle serves as collateral for the loan, many specialized lenders approve loans for scores in the low 600s, and sometimes even the upper 500s—especially if you have a decent down payment of 10% or more.
Yes! Unlike dealership financing which restricts you to their showroom floor, independent motorcycle loans allow you to buy from private parties (like off Craigslist, Facebook Marketplace, or Cycle Trader) or independent shops. Lenders will verify the value of the used bike via NADA or Kelley Blue Book before funding the loan.
Yes. Because the motorcycle acts as collateral for the loan, almost all lenders will require you to carry full coverage insurance (comprehensive and collision) until the loan is completely paid off. This protects both you and the bank in case the motorcycle is totaled or stolen.