Online Buyer's Resources

Credit Center

Looking for a motorcycle loan for your motorcycle? The finance center at Cycle Trader allows you to research multiple motorcycle loan providers for your next motorcycle purchase.

Understand & Manage Your Credit

Your credit score shouldn't stop you from buying the motorcycle of your dreams. Before you can hear the roar of the engine on the open road, you should first learn what your credit score is. This is especially important if you plan on financing your motorcycle purchase. Buyers with low credit scores will typically see higher interest rates, while consumers with better credit can qualify for lower rates.

Begin your buying journey by receiving your current credit score from a major credit reporting agency. Cycle Trader partners with Equifax, a trusted agency, to provide you with an accurate credit report, as well as tips for building and managing your credit. Once you know your credit score, you'll be able to make better, more educated decisions when it comes to choosing a financing option that's best for you.

Motorcycle Loans and Financing

Financing a motorcycle may seem like a challenging process, but we can help. Start by reviewing your credit score, deciding what you can afford to pay, and comparing loan offers. Cycle Trader partners with LendingTree, where you'll be able to compare various motorcycle loans and estimate your potential monthly payment.

Buying a Motorcycle on Cycle Trader is as Easy as 1-2-3

Browse Our Nationwide Inventory

From Dealerships & Private Sellers

Shop over 140,221 new and pre-owned motorcycles from dealers and private sellers across the country.

Buy Your Dream Bike

Financing Options Available

Once you find the motorcycle of your dreams, reach out to the seller. You can also compare loan options and calculate your potential monthly payment.

Ship Your Bike

Get Ready to Ride

Browse and compare delivery options to get your bike to you quickly and affordably so you can hit the road.

To assist you in your research, we’ve outlined the 5 most popular types of financing options:

Motorcycle Dealer Financing: A majority of motorcycle dealerships offer financing directly to consumers. Dealer financing allows you to apply for a loan that's the exact amount of the bike and get an approval decision on the spot. Available interest rates depend on you (the applicant), your credit history, and the purchase amount.

OEM Financing: Motorcycle manufacturers (OEMs) often have financing options available to consumers that purchase new motorcycles. Promotional rates might get you a lower interest rate, but remember that interest rates fluctuate based on your credit history and financial standing.

Online Lenders: Online lenders can offer specialized motorcycle loans, as well as personal loans that can be used to purchase a new or used bike. An online lender provides faster approval decisions and loan funding compared to other options. With so many lenders to choose from, you'll want to compare all of your options to find the lowest rate.

Banks and Credit Unions: Your local banking institution or credit union may offer motorcycle-specific loans, in addition to personal loans. You may qualify for reduced interest rate loans if you add another policy to your account. Calling your bank or credit union is the best way to find out your options.

Credit Cards: If you already have an existing credit card with a high credit limit, you can usually complete your motorcycle purchase with that card. The benefits include no credit checks or financing applications. Before you consider this option, be aware of the current interest rate on your credit card.

Figure out your monthly payment with the calculator below. Find the best rates for your dream machine.



This calculator is intended solely for general informational purposes and to provide a rough estimate based on the information you have provided. You should not base your decision on this estimate alone. Please note that title, registration, tax and other fees, and personal circumstances such as employment status and personal credit history, were not considered in the calculations. Personal circumstances may have a significant effect on interest rates for which an individual might qualify. Accordingly, we cannot and do not guarantee the accuracy or applicability of the estimates produced by this calculation, and the results from its use should be viewed as hypothetical, for illustrative purposes. At the appropriate time, we recommend that you rely upon actual interest rate and payment information provided to you by your dealer or lender.


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Top 5 Motorcycle Make

  • Harley-Davidson 34,135 Harley-Davidson motorcycles for sale
  • Honda 19,461 Honda motorcycles for sale
  • Kawasaki 18,345 Kawasaki motorcycles for sale
  • Yamaha 11,281 Yamaha motorcycles for sale
  • Indian 7,294 Indian motorcycles for sale

Top 5 Motorcycle Make/Models