Used Motorcycle Loan Rate 2025: How to Finance Smart and Ride More for Less
Compare lenders and financing options for used motorcycle loan rate deals that fit your budget and riding style.
Whether you’re looking for a Harley-Davidson, Honda Rebel, or Yamaha MT-07, understanding rates, lenders, and negotiation strategies helps you get the bike you want without overspending.
Thinking about owning a Kawasaki Ninja? Discover how Kawasaki Ninja financing can help you hit the road without the upfront cost.
Read About How Used Motorcycle Loan Rate Works in 2025 🏍️
Used motorcycle loan rates fluctuate based on several factors, including credit score, lender policies, and the age of the motorcycle.
Online lenders and dealer-backed financing have become increasingly competitive, adding more variety to the market.
- Credit Score: A score above 720 often secures single-digit APRs, while lower scores may push rates above 12%.
- Loan Term: Shorter terms like 36–48 months have lower total costs than 72-month loans.
- Bike Model: Reliable models like cruisers and standards typically receive better rates than high-performance bikes.
- Down Payment: A 10–20% down payment can reduce risk and improve your approval odds.
- Lender Type: Credit unions are generally the most lenient and affordable for used loans.
Explore the top motorcycle loan companies in 2025!
Compare Best Lenders Offering Competitive Used Motorcycle Loan Rate 🏦
To make informed decisions, it’s essential to compare different lenders side-by-side. Here’s a look at top 2025 providers for used motorcycle loan rate options:
| Lender | APR Range | Highlights |
| Consumers Credit Union | 6.49% – 10.49% | Among the lowest rates and flexible approvals. |
| LightStream | 7.24% – 13.99% | No fees and fast same-day funding. |
| Harley-Davidson Services | 8.99% – 15.49% | Specialized deals for Harley models. |
| Navy Federal Credit Union | 7.29% – 13.49% | Excellent for military members and families. |
| Capital One Auto Finance | 8.75% – 15.99% | Great for fair credit and prequalification tools. |
Why Credit Unions Are Still King 💳
Credit unions continue to dominate the used motorcycle loan rate landscape because of their community-based lending approach and not-for-profit structure.
They often approve older bikes, consider more than just credit scores, and offer lower origination fees.
Members also enjoy benefits like skip-payment options or seasonal rate promotions, making them ideal for long-term borrowers.
Discover Top Used Motorcycle Loan Rate Vehicles in 2025 🏁
Certain motorcycle models are not only affordable but also favored by lenders for their reliability, demand, and strong resale value.
Yamaha MT-07 (2019–2024) ⚙️
The Yamaha MT-07 remains one of the most versatile mid-range motorcycles available. Known for its balance of power and control, it’s favored by new and experienced riders alike.
Used models range from $6,000–$8,500, with average loan rates starting at 7.25% APR. Many lenders view it as a low-risk choice due to its durability and strong market resale value.
Honda Rebel 500 (2020–2024) 🛣️
Compact, efficient, and stylish, the Rebel 500 is perfect for beginners and commuters. Used models fall between $5,500–$7,000, and interest rates usually stay under 9% APR for good-credit applicants.
Credit unions especially favor this model thanks to its consistent resale record.
Kawasaki Z650 (2019–2023) 🏍️
A great choice for those who want a sportier experience without high insurance or repair costs. Average used prices hover between $6,000–$7,500, and rates often start around 7.75% APR.
Its lightweight design and performance make it popular among daily riders.
Harley-Davidson Iron 883 (2017–2022) 🏍️
A staple cruiser with unmatched style and a loyal following. Used Iron 883s cost $8,000–$10,000, and specialized lenders like H-D Financial Services provide deals below 9% APR for qualifying customers.
This model is a long-term favorite due to its collectible appeal and strong community market.
Discover how Harley-Davidson Financial Services can help you finance your dream motorcycle in 2025 with flexible terms and benefits.
Suzuki SV650 (2018–2023) ⚙️
The SV650 is a well-balanced performer, great for both city commuting and weekend rides. Used prices range from $6,000–$7,000, and average financing terms fall between 7%–10% APR.
Its stable resale makes it one of the most bankable options for used buyers.
See the Steps to Secure the Lowest Used Motorcycle Loan Rate 💵
The secret to obtaining an excellent used motorcycle loan rate lies in preparation and timing. Here’s how you can get the most out of your application:
Improve Your Credit Score Before Applying 📈
A few months of focused effort can save you thousands over your loan term. Pay bills on time, reduce existing debt, and avoid new credit applications before submitting your motorcycle loan request.
Get Pre-Approved for a Loan 🧾
Pre-approval gives you a clear budget and negotiating power at dealerships. Lenders such as LightStream, Capital One, and NFCU provide prequalification options that don’t impact your credit score.
Increase Your Down Payment 💰
The larger the upfront payment, the better your chances of getting approved for a low APR. Aim for a minimum of 15% down, but even 10% can make a difference.
Compare Multiple Offers 🔍
Don’t settle for the first quote you receive. Use marketplaces like LendingTree, Bankrate, or NerdWallet to compare several lenders in minutes.
Consider Refinancing Later 🔄
If your credit improves or market rates drop, refinancing after 12–18 months can reduce your monthly payment and total interest cost.
Avoiding Common Financing Pitfalls ⚠️
Motorcycle financing mistakes can cost you over time. Here are some issues to steer clear of:
- Taking out long-term loans just to lower payments.
- Forgetting to include insurance costs in your total budget.
- Ignoring mechanical inspections before buying used.
- Financing through the first lender without comparison shopping.
- Underestimating depreciation and maintenance expenses.
Choose a Smart Used Motorcycle Loan Rate and Enjoy the Ride 🏍️
In 2025, securing a competitive used motorcycle loan rate means understanding market trends and preparing your finances strategically.
Whether you dream of owning a Yamaha MT-07, a Honda Rebel 500, or a Harley-Davidson Iron 883, smart financing decisions ensure that every payment brings you closer to full ownership.
With the right lender and preparation, your next motorcycle won’t just be a purchase—it’ll be a rewarding investment in your freedom.
FAQ – Used Motorcycle Loan Rate ❓
- What’s the average interest rate for used motorcycle loans in 2025?
- Rates generally range between 7.5% and 15%, depending on your credit profile and lender type.
- Rates generally range between 7.5% and 15%, depending on your credit profile and lender type.
- Can I finance a motorcycle with poor credit?
- Yes, though rates will be higher. Many credit unions and online lenders offer programs for fair-credit borrowers.
- Yes, though rates will be higher. Many credit unions and online lenders offer programs for fair-credit borrowers.
- Is it better to buy from a dealer or a private seller?
- Both are possible, but credit unions are more likely to finance private-party sales with lower fees.
- Both are possible, but credit unions are more likely to finance private-party sales with lower fees.
- How long should my motorcycle loan term be?
- A 36- to 60-month loan is ideal to balance monthly payments and overall interest costs.
- A 36- to 60-month loan is ideal to balance monthly payments and overall interest costs.
- Can I refinance my motorcycle loan later for better terms?
- Absolutely. Refinancing after a year of on-time payments can lower your APR and reduce your monthly payment.
- Absolutely. Refinancing after a year of on-time payments can lower your APR and reduce your monthly payment.
