Best Motorcycle Loans

Buying a motorcycle should be an exciting experience. From the moment the decision to get a motorcycle, to choosing your model of choice, it should be nothing but excitement.

However, for most people, money is always going to be at the back of your mind. Buying a motorcycle is a big decision to make, and once you’ve got your heart set on it, It can be easy to let money issues tarnish your experience.

Thankfully, there are loans available to help you afford your motorcycle. You’ll find that you won’t get a motorcycle loan like an auto loan, as it’s classed as a recreational vehicle. This means it’s in the same category as boats and RV’s – and the rates for recreational vehicle loans are generally higher than auto loans.

If you’re looking to buy a motorcycle, then keep reading to find out more about the best motorcycle loans, including the pros and cons of each loan. To take a more in-depth look then check out this article on motorcycle financing at



  • No limit to the amount of your loan
  • Loans also cover cruisers, sports bikes, touring, dual sports, scooters, and mopeds
  • May find a loan even with a poor credit score
  • Various different lenders = more chance of finding a suitable loan


  • Interest rates can be steep if your credit score is lower than average

Instead of filling out endless application forms in the hope of getting accepted for one loan, Lendingtree sends your application to a long list of potential lenders, saving you time and effort.

You can compare the different rates and terms and conditions with ease, which is much better than having 50 different pages open. It truly takes the stress and messes away from finding the right loan for you.

It’s not the end of the day if you have a poor credit score either, which is always reassuring to hear. Lendingtree actually advertises that there are loans available for people without a perfect credit score – but of course, the rates are going to get higher with each drop in your credit score.motorcycle loans

To get started, you just need to provide your motorcycle information (the make, the year, and the approximate cost of the bike) and your social security number. This prequalification process is quick and easy, and once submitted, you’ll get up to five loan offers!

Wells Fargo


  • The process is super quick and easy
  • Opportunity to apply for a lower interest rate
  • Can get your funds within 2 days
  • Also offers loans for other specialty vehicles


  • No online application – you have to call them.

Wells Fargo offers a quick and easy application process. To get started, all you need to do is call Wells Fargo with your personal information to hand. The call line is open the following hours:

  • Monday through Friday, 7:00 a.m. to 11:00 p.m. Central
  • Saturday and Sunday, 7:00 a.m. to 9:00 p.m. Central

If you’re already a customer with Wells Fargo, then you can take advantage of special deals that other customers can’t. For example, if you sign up for automatic payments from your bank account, then you can apply for a reduced interest rate.

Something that all borrowers, old or new, can take advantage of is the lack of penalty fees for an early payoff. With many lenders, you have to pay a certain amount if you want to pay off your loan early which can put you off – but you don’t need to worry about this with Wells Fargo.

Best Egg


  • Convenient loan calculator
  • Can easily apply for another loan with them if needed
  • Interest rates start at 5.99%


  • More suited to those with higher incomes and strong credit scores

Some vehicle loan companies only offer loans with a high minimum loan amount, but Best Egg offers loans with a starting point of $2000. This a perfect starting point if you’re on the market for a budget-friendly motorcycle.

Once you’ve had your loan for six months, you’ll get the opportunity to apply for a second lona. This is ideal if more financial needs come up – whether it be a wedding, house repairs, or medical emergencies.

To qualify for a second loan, you need to keep your current debt with Best Egg below the $50,000 threshold.

It’s quick and easy to apply for a loan with Best Egg – and there’s even a handy loan calculator that’ll help you calculate the monthly payment and APR estimates before you apply.