JetzLoan helps you find motorcycle financing tailored to your needs, regardless of your credit situation. We connect you with a network of lenders ready to compete for your business.
No hard credit pull · Takes 2 minutes
This site does not offer loans directly. We connect users with lenders. APR varies. See lender terms.
Tell us about your desired motorcycle loan amount and some basic information. The application is simple and takes just minutes to complete.
We instantly connect you with a network of lenders who specialize in <b>motorcycle financing</b>. You'll receive competitive offers based on your profile.
Review the loan terms and choose the option that best fits your budget. Once approved, you can finalize your purchase and enjoy your new bike!
Understanding motorcycle loans is the first step towards owning the bike you’ve always wanted. These loans function similarly to auto loans, where you borrow a sum of money to purchase a motorcycle and repay it with interest over a set period. However, loan terms and rates can vary significantly depending on lender and your creditworthiness. The average APR range is typically between 6%–36%, though this can be higher or lower based on individual circumstances.
Typical loan amounts for motorcycles range from $500 to $20,000+, allowing you to finance everything from a scooter to a high-end Harley. Approval rates depend heavily on your credit score; however, JetzLoan specializes in connecting borrowers with lenders willing to work with bad credit motorcycle financing options. Many lenders offer pre-approval processes that allow you to see potential loan terms without impacting your credit score – often referred to as a no hard credit check inquiry.
You can use a bike loan online to finance both new and used motorcycles, though interest rates may be higher for older models. Factors like the motorcycle’s value, mileage, and condition all play a role in determining your loan eligibility. JetzLoan partners with lenders offering various repayment terms, from 12 months to 72+ months, allowing you to find a plan that suits your financial goals.
| Loan Type | Typical Interest Rates (2026) | Loan Amounts Available | Repayment Terms | Credit Score Requirements | Best For |
|---|---|---|---|---|---|
| Dealer Financing | 7.5% - 18% | $5,000 - $30,000+ | 12-60 months | Fair to Good (630+) | New bikes; often incentives offered by manufacturers |
| Credit Union Loans | 4.5% - 9% | $1,000 - $25,000 | 12-72 months | Good to Excellent (680+) | Existing credit union members seeking lower rates |
| Online Lenders (Secured) | 6% - 14% | $2,000 - $35,000 | 24-84 months | Fair to Good (600+) | Riders with some collateral; potentially faster approvals |
| Online Lenders (Unsecured) | 9% - 25% | $1,000 - $15,000 | 6-36 months | Good to Excellent (700+) | Those who qualify without securing a vehicle as collateral |
| Peer-to-Peer Lending | 7% - 20% | $500 - $40,000+ | Varying terms | Fair to Good (630+) | Alternative funding source; rates depend on risk assessment |
| Secured Line of Credit | Prime + 1-5% | $1,000 - $10,000+ | Ongoing access | Good to Excellent (700+) | Flexibility for ongoing maintenance and repairs |
Financing a new motorcycle typically comes with lower interest rates and more favorable terms compared to used motorcycle loans. Lenders view newer models as less risky investments due to their reliability and warranty coverage. For example, the average interest rate on a new motorcycle loan is 5-10%, while used motorcycle loans often range from 8-15%. However, you’ll likely pay a higher purchase price for a new bike.
The down payment requirements also differ; lenders generally require a smaller down payment (around 10%) for new motorcycles versus used ones (typically 20% or more). Powersports loans often fall somewhere in between. It's important to factor in the total cost of ownership, including insurance, registration, and potential maintenance expenses, when deciding whether to purchase a new or used bike. JetzLoan can help you explore options for both.
Securing pre-approval before browsing inventory is highly recommended. This gives you a clear understanding of your budget and negotiating power at the dealership. Borrowers with good credit (a score of 670+) typically qualify for the most competitive rates, but JetzLoan partners with lenders who specialize in helping riders with less-than-perfect credit access financing.
A higher credit score translates to lower interest rates. Check your credit report, dispute any errors, and pay down existing debt to improve your score before applying.
Don't settle for the first offer you receive. Compare rates and terms from various banks, credit unions, and online lenders to find the best deal; rate shopping is crucial.
Using your motorcycle as collateral can often result in lower interest rates, especially if you have less-than-perfect credit. However, understand the risks of potential repossession.
Be aware of origination fees, prepayment penalties, and other hidden costs that can increase the overall cost of your loan; read the fine print to avoid surprises.
Putting down a larger down payment demonstrates commitment and reduces the lender’s risk, potentially leading to a more favorable interest rate. Even a small downpayment helps.
We connect you with a wide range of lenders, increasing your chances of finding the perfect loan.
Our application process is quick, easy, and completely free to use – no obligation!
We specialize in matching borrowers with lenders who understand unique financial situations.
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Estimated Monthly Payment
$332.14
per month for 36 months
🔒 No impact on your credit score