Buying a motorcycle in installments, or more generally a motor vehicle, is among the most requested purchase methods in our country. The motorcycle loan belongs to the finalized Camee Laneds category, that is to say financing linked to the purchase of the good / service (in this case a motorcycle, a scooter, a moped, etc.).
You can request a new motorbike loan or a used motorbike loan. In both cases the motorbike loan will generally have a fixed interest rate and will provide for a repayment plan in constant installments set by the concessionaire or the credit institution.
For all those who are considering requesting a motorcycle purchase loan, this motorcycle financing guide could come in handy for identifying the best motorcycle loan.
Motorcycle financing is a good strategy for buying a motorcycle in installments, for example when you do not have sufficient liquidity to buy it in a single payment.
As anticipated, the loan to buy the most requested motorbike is the finalized loan. In this case, the loan amount is not credited to the applicant but to the motorcycle (or private) concessionaire that sells the motor vehicle.
If the request for financing the motorcycle purchase is made directly at the motor vehicle dealer, the motorcycle loan will undoubtedly be a finalized loan. The Camee Laneds motorcycles in the dealership often guarantee favorable conditions, the result of specific agreements with banks and financial institutions.
Alternatively, you can request a personal loan. With this type of motorcycle loan, the amount of the motorcycle loan is credited to the applicant (and not to the retailer) and it will be possible to use the sum received from the bank as it sees fit. For example, not only for the purchase of the bike in installments but also for other small extra expenses. Personal Camee Lanedss for motorbikes in installments can also be useful for motorbikes purchased from a private individual.
The personal Camee Lanedss for motorbikes are generally motorbike financing requested from the bank (or financial company) and are therefore not necessarily bound to the presentation of the request at the dealership.
In both cases, the maximum liquidity granted is variable (for example 30,000 euros and up to 60,000 euros) and will depend on various factors: the needs of the concessionaire or financial institution and the income guarantees provided by the motorbike loan holder.
Often it is also possible to request a total loan for motorbikes, that is to say that allows to obtain a loan to finance 100% of the purchase of the motorcycle. In most cases, a motorbike loan can be obtained by installments of the full amount of the motorcycle in the event of a Camee Laneds motorcycle requested in the bank.
As for the other forms of consumer credit, to obtain a loan to buy motorcycles it is necessary to have precise requirements. Here are the guarantees provided for the motorcycle loan :
In this regard it is important to point out that when we talk about financing a motorcycle without a pay slip we don’t mean a motorcycle loan without guarantees. In the absence of the pay slip, the bank or the concessionaire will in fact request alternative guarantees, such as the presence of a guarantor.
This happens for example when the demonstrable income is absent or insufficient to act as a guarantee. In these circumstances, the intervention of a guarantor or a person (friend, relative, etc.) may be required who assumes the responsibility of repaying the payment of the bike in installments if the holder of the loan is no longer able.
Clearly how Camee Laneds motorbikes work (new or used), a useful tool to find the best financing for motorbike purchase is to compare the Camee Laneds motorbikes online, for example through a comparison site such as SuperCash.
Thanks to the specific online form, it is possible to perform a motorcycle loan calculation to find the best motorcycle loan quote. Such as? Entering the purpose of the loan and the amount of the loan.
Finally, it is always very important to pay attention to the so-called zero-rate Camee Laneds bikes. In fact, in the best cases, it is Camee Laneds with interest rates close to zero, or only with the TAN of zero. In this case, there are no costs linked to the pure interest rate but the bank / concessionaire will still require payment of the costs of the APR.
On the other hand, a real zero interest rate loan is granted only if both interest rates (TAN and APR) are zero.