Two Wheeler Loans That Fit Every Budget
Find competitive two-wheeler loan interest rate options with easy EMIs for your new ride.
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Unlock Your Ride: Highlights Of Bike Loan
Get an instant overview of the bike loans, offering quick approvals, great value, and total convenience.
| Feature | Details |
|---|---|
| Loan Tenure | 1 to 5 Years (up to 7 in some cases) |
| Interest Rates | Starts from 9.5% p.a. |
| Processing Fee | 1% to 2.5% of the loan amount |
| Car Age Limit | Up to 8–10 years (at end of loan term) |
| Loan-to-Value (LTV) | Up to 90% of a car's current value |
Get The Best Ride & Loan:
Key Two-Wheeler Loan Features
From affordable bike finance interest rates to flexible repayment plans, these benefits ensure your two-wheeler purchase is smooth and budget-friendly.
Easy Repayment Terms
Flexible EMI options. Repay your car loan conveniently.
High On-Road Funding
Finance a major portion of your new two-wheeler's cost.
Fast Loan Disbursal
Quick approval means your two-wheeler loan funds arrive fast.
Simple Digital Application
Apply for your bike loan online in minutes. Fast & easy.
Can You Get A Loan For Your Dream Bike? Find Out Here
Check these simple criteria for your two-wheeler loan:
| Criterion | Requirement |
| Age | 21-60 years |
| Employment | Salaried / Self-Employed |
| Income | Min. Threshold Met |
| Credit Score | 650+ recommended |
| Work Experience | 1-2 years+ |
Here's Why Riders Choose Urban Money For Their Bike Loan
Your journey to owning the perfect bike should be exciting, not stressful. See how Urban Money solutions help:
Ride Now, Pay Later Easily
Super affordable EMIs designed for your two-wheeler budget.
Instant Loan, Instant Ride
Lightning-fast bike loan approval to get you riding today!
All Two-Wheeler Types Covered
Finance your dream scooter, commuter, or sports bike with us.
Zero Hassle, Maximum Joy
Simple digital bike loan: more time riding, less paperwork.
Trusted Lending Partners
Access loan offers from India’s top NBFCs and banks through a single platform.
Loans for All Bike Types
Finance your scooter, commuter bike, sports model, or electric two-wheeler.
3 Easy Steps To A Perfect Two-Wheeler Loan
Get your two-wheeler loan approved quickly and conveniently. This is how our online steps make it happen.
Check Your Two-Wheeler Loan Eligibility
Share basic details like income, employment, and desired bike/scooter to see your two-wheeler loan eligibility instantly.
1
Compare & Choose the Best Bike Loan Deal
Explore bike loan offers with attractive bike loan interest rates and flexible EMIs from our network of trusted lending partners.
2
Get Verified & Get Your Two-Wheeler Funded
Submit your documents digitally with ease. Receive quick loan approval and disbursal so you can immediately bring home your new two-wheeler.
3
Smart EMI Calculator for
Two-Wheeler Loan
Loan Amount
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Interest Rate
%
Loan Term
Yr
Break-up of Total Payment
₹ NaN Per Month EMI for -1 Years
Principal Amount (Total Amount for loan)
₹10,00,000
Interest Payable (Total Interest throughout the loan duration)
Total Amount payable
View EMI Payment Schedule
Leading Partners For Your Ideal Two-Wheeler Loan
We collaborate with a 50+ broad network of trusted banks and NBFCs to offer you attractive two-wheeler loan interest rates and adaptable repayment plans.
Smart Tips for Your Customised Bike Loan Deal
A bit of know-how can lead to your best bike loan. Here’s what you need to consider.
- Factor in All Bike Costs
- Check Loan Eligibility First
- Choose a Good Lender
- Understand Loan Coverage
- Read Loan Terms Carefully
- Opt for Shorter Repayment
Ready to Apply for Your Bike Loan? Gather These Documents
Ensure a smooth two-wheeler loan process with this handy list of key documents.
Basic KYC Documents
- PAN Card (Copy)
- Aadhaar Card (Copy - for ID & Address Proof)
- Recent Passport-sized Photographs
- Current Address Proof
For Salaried Applicants
- Latest Salary Slips (e.g., last 3 to 6 months)
- Bank Account Statements (e.g., last 6 months, showing salary credits)
- Employment ID Card / Proof of Employment (e.g., Appointment Letter)
For Self-Employed Applicants / Business Owners:
- Income Tax Returns of the last 2 to 3 years
- Bank Account Statements of the previous 6 to 12 months
- Proof of Business Existence (e.g., GST Registration, Shop Act License, Partnership Deed, etc.)
- Apply Now
What Our Customers Say
Hear from customers who trusted Urban Money and achieved their financial goals with us.
sattu keshari
a week ago
⭐⭐⭐⭐⭐
rahul pal
a week ago
Sunil Ambekar
a week ago
sanjay Chaurasia
a week ago
Written By
Reviewed ByLast Updated: 2 September 2026
Frequently asked Questions (FAQ)
Get clear explanations for frequent queries regarding our two-wheeler loan products and applications.
Does Urban Money help fund used bikes?
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.
Need help? Contact Us
Do I need a high CIBIL score?
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.
Need help? Contact Us
