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On the Road

Motorcycle Loans

Not everyone has the cash to get their dream bike. Fortunately, these online lenders specialize in motorcycles. These finance companies help Ohioans of all financial backgrounds get on the right bike.

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Ohio Motorycle Loans | Top Lenders Online


Best Overall



    • Up to $99,000
    • Term: 24 to 84 months
    • Great for Bad Credit
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APR From: 2.4%


Best for Bad Credit



    • Up to $10,000
    • Term: 3 to 72 months
    • Funds Available Next Day
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APR From: 5.99%


Most Offers



    • Up to $100K
    • Term: 24 to 84 months
    •Refinance Available
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APR From: 2.94%


Most Flexible


    • Up to $35,000
    • Term: 3 to 72 months
    • Funds Available Next Day
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APR From: 5.99%

Understanding Motorcycle Loans

Motorcycle financing helps you purchase a new or used motorcycle when you don't want to spend all the money at once. These loans are typically secured, meaning the motorcycle serves as collateral. If you default on your loan, the lender has the right to seize your motorcycle to recoup their loss. However, unsecured motorcycle loans are also available. These don't require any collateral, but they usually come with higher interest rates due to the increased risk to the lender.

Sources of Motorcycle Loans

Online Lenders: These platforms offer a quick and convenient way to secure motorcycle loans. They typically provide both secured and unsecured personal loans that you can use to finance your motorcycle.


Banks and Credit Unions: Traditional financial institutions offer motorcycle loans with competitive interest rates. However, they might require a more stringent credit check.


Dealership Financing: Many motorcycle dealerships offer in-house financing options. They may allow you to apply for a loan for the exact amount of the bike and get an instant approval decision.


Manufacturer Financing: Some motorcycle manufacturers offer their own financing options. While these loans are secured by the bike, they may offer lower promotional rates.

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Motorcycle Loans for Bad Credit

A common concern among potential borrowers is whether they can secure a motorcycle loan with bad credit. The good news is that several lenders specifically offer motorcycle loans for borrowers with bad credit. However, these loans might have higher interest rates than those for borrowers with good to excellent credit.

Ohio Motorcycle Loans

Ohio boasts a multitude of lenders offering motorcycle loans. Online lenders, banks, credit unions, dealerships, and manufacturers all provide motorcycle finance options in Ohio. It's crucial to compare the terms and conditions of various lenders to find the best motorcycle loan for your needs.

If you have bad credit, some Ohio-based lenders specialize in bad credit motorcycle loans. These lenders understand that everyone can face financial challenges and therefore, offer motorcycle loans to individuals with less-than-perfect credit.

Managing Your Motorcycle Loan

Once you secure an Ohio motorcycle loan, it's essential to manage it effectively. Make sure to pay your monthly installments on time and in full to avoid any penalties and to maintain a good credit score. If possible, try to make additional payments to reduce your loan balance and save on interest over time.

Also, ensure to maintain your motorcycle in good condition. Remember, in the case of a secured loan, the motorcycle serves as collateral. If you fail to make your payments, the lender can seize your motorcycle.

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