Does Chase Do Motorcycle Loans in 2025? Everything You Need to Know Before Applying

Learn if does Chase do motorcycle loans and know with personal loans, refinancing options, and flexible credit solutions to help you ride sooner.

If you’re asking, does Chase do motorcycle loans, the answer in 2025 is nuanced. Chase Bank no longer offers direct motorcycle loans as a dedicated product.

However, riders can still finance a new or used motorcycle through Chase personal loans or external partnerships with certified dealerships.

While Chase doesn’t provide traditional motorcycle financing like specialized lenders do, its personal loan programs can serve as a flexible alternative.

Have an existing motorcycle loan or struggling with bad credit? Discover how to refinance or apply for motorcycle loans near me in 2025.

Does Chase Offer Direct Motorcycle Financing? See in depth 🏍️

No, Chase Bank does not currently offer direct motorcycle loans. The bank discontinued its dedicated motorcycle financing products several years ago to focus on auto loans and personal lending.

However, Chase customers can still fund motorcycle purchases through unsecured personal loans, which don’t require the bike as collateral.

These loans provide flexibility but tend to have slightly higher interest rates than secured vehicle loans.

• Available loan amounts: $2,000–$50,000.
• Typical APR range: 6.99%–15.99% (based on credit profile).
• No vehicle collateral required.
• Terms from 24 to 72 months.
• Quick approval and funding for existing Chase clients.

While not tailored for motorcycles specifically, these loans can be used to purchase a bike from a dealer or private seller.

Learn how Bank of America motorcycle loan rates can help you finance your dream bike!

Why Chase Doesn’t Offer Motorcycle-Specific Loans ⚙️

Chase Bank phased out direct motorcycle financing because of higher risk factors associated with motorcycle loans, such as depreciation rates and limited resale demand.

Instead, Chase focuses on auto loans and broader personal financing products that can serve multiple purposes.

That said, Chase continues to provide competitive auto loan rates for cars, trucks, and SUVs, and many riders use Chase personal loans as an alternative for motorcycle purchases.

Discover How to Finance a Motorcycle with Chase in 2025 💳

If you’re a Chase customer, you can apply for a personal loan to finance your motorcycle purchase. Here’s how the process works:

1. Check Loan Eligibility ✅

You’ll need a credit score above 680 to qualify for Chase’s best rates.

Applicants with existing Chase accounts—especially checking or credit card holders—may receive preferential treatment and faster approval.

2. Choose Your Loan Amount 💰

Estimate the total cost of the motorcycle, including taxes, registration, and insurance. Chase allows borrowers to finance up to $50,000, which covers most new motorcycles and gear purchases.

3. Apply Online or at a Branch 🌐

Existing customers can apply through the Chase app or website for a seamless experience. New customers can apply in person at any branch. Approval typically takes 1–2 business days.

4. Receive Funds and Purchase Your Bike 🏍️

Once approved, funds are directly deposited into your Chase account, and you can use them to pay your dealer or private seller. Since the loan is unsecured, you own the motorcycle outright from day one.

Compare Interest Rates and Terms Compared to Motorcycle Loans ⚖️

Chase personal loans are convenient but usually come with slightly higher APRs compared to dedicated motorcycle loans from banks or manufacturers. Here’s how they compare:

As seen, credit unions and manufacturer-backed lenders generally offer lower rates, but Chase provides convenience and flexibility without requiring collateral.

Ready to hit the road on two wheels? Learn how to secure the best motorcycle loans in 2025 and start your riding adventure today.

Alternatives to Chase for Motorcycle Financing 🏦

If your goal is to find the lowest APR and longest terms, consider these popular motorcycle-friendly lenders instead:

These lenders specialize in motorcycle financing and often have partnerships with dealerships to streamline the purchase process.

Learn the Pros and Cons of Using Chase for Motorcycle Financing 🧾

Pros:

• Fast approval and funding for Chase customers.
• No collateral required (you own the bike outright).
• Can be used for dealer or private-party purchases.
• Easy online management through the Chase app.

Cons:

• Slightly higher interest rates than secured loans.
• No dedicated motorcycle loan program.
• Shorter terms compared to manufacturer financing.
• Not available to applicants with low credit scores.

Who Should Use Chase for Motorcycle Financing 🧠

Chase personal loans are best for

• Existing Chase customers looking for quick, unsecured funding.
• High-credit borrowers (700+) who can qualify for low rates.
• Riders buying from private sellers rather than dealerships.
• Motorcycle enthusiasts purchasing used or custom models not covered by traditional lenders.

If you meet these criteria, Chase can be a convenient financing option without the complexities of secured lending.

Have a low credit score and want to own a motorcycle? Discover how to get approved for the best motorcycle loan 600 credit score offers.

Does Chase Do Motorcycle Loans? No, But You Can Still Have Yours! 🌅

While Chase Bank doesn’t offer dedicated motorcycle loans, it does provide flexible personal loan options that riders can use to fund their purchases. 

For borrowers with strong credit and existing Chase relationships, this can be a fast and convenient solution.

However, riders seeking the lowest APR or long-term financing may find better value with manufacturer programs or credit unions.

In short, Chase is best for convenience and speed, while specialized motorcycle lenders offer better long-term value.

FAQ – Does Chase Do Motorcycle Loans 🏍️

1. Does Chase offer motorcycle loans?
   • No, Chase discontinued dedicated motorcycle loans, but personal loans can be used instead.
     
2. What are Chase’s personal loan rates for motorcycles?
   • Rates range from 6.99% to 15.99%, depending on credit score and income.
     
3. Can I refinance a motorcycle loan through Chase?
   • Yes, you can use a Chase personal loan to refinance, but it will be unsecured.
     
4. Is it better to finance a motorcycle through Chase or a dealer?
   • Dealers often provide lower rates through manufacturer financing, but Chase offers flexibility and speed.
     
5. How fast can I get approved for a Chase personal loan?
   • Most existing customers receive approval within one to two business days, with same-day funding possible.