Two Wheeler Loans That Fit Every Budget

We focus on brand-new two-wheelers because they give clearer value and easier paperwork. If you’re eyeing a well-kept second-hand bike, ring our support line or drop an email; we’ll tell you which lenders currently fund pre-owned models and their terms.

There isn’t one fixed figure because lenders weigh job type, location and existing debts. Use the quick checker on our website; after entering basic details, we’ll show whether you meet the threshold and how much you might reasonably borrow.

Yes. You may qualify if you hold a valid driving licence and add a parent or another trusted adult with steady income as a co-applicant. Their stronger credit history helps balance yours, giving you a fair chance at approval with competitive interest rates.

A CIBIL score around 650 or higher usually brings faster approval and lower interest rates. Still, if you’re new to credit, don’t worry; some partner lenders use alternative checks, so first-time borrowers often secure a loan, though sometimes at slightly higher rates.

Banks need proof of earnings even for modest amounts, as rules require them to judge repayment capacity. A recent salary slip, bank statement or gig-income record normally suffices. The document list is short; you can upload everything straight from your phone.

Banks generally finance up to 95% of the bike's on-road price, so the down payment stays low. The exact sanction depends on income, credit score and dealer invoice.

Repay over 12 to 60 months, letting you match payments with cash flow. Shorter terms bring higher EMIs but lower total interest, while longer stretches cut each EMI yet add interest overall. Pick whichever keeps your monthly budget comfortable.

We cover many rural PIN codes through digital paperwork and a wide dealership network. We can process everything online if a partner lender works in your district and local transport rules allow registration.

We cover many rural PIN codes through digital paperwork and a wide dealership network. We can process everything online if a partner lender works in your district and local transport rules allow registration.

Most loans carry fixed rates, so your EMI stays identical from start to finish, making budgeting simple. Floating options appear only occasionally, and we’ll highlight those clearly and explain their implications long before you accept any offer.

Submit your documents online before noon, and many applicants see approval that same afternoon because verification is automated. Once approved, funds reach the dealer within one working day, allowing you to collect the bike almost immediately after the invoice is raised.

You may repay early, in part or whole. Several lenders waive foreclosure fees after 6 months, while others charge a modest percentage of the outstanding balance. Read the policy carefully before committing to your loan application so you can plan an exit without surprises.

Every loan carries a one-time processing fee that covers paperwork, technical valuation, and GST. The amount is small compared to the loan size and is shown upfront on your sanction letter, alongside any stamp duty, insurance premium, or other predictable charges.