Rahoituskumppani - Vehicle financing starting from 2.99% interest - Apply now

Motorcycle Financing

Motorcycles and other motor vehicles are excellent financing targets. Various financing models are available for them, suitable for everyone. We have financed thousands of motor vehicles, so with Rahoituskumppani's help, we will surely find suitable financing for you too. Read on and discover considerations related to motorcycle and other motor vehicle financing.

Motorcycle Financing
Customer service

What to consider in motorcycle financing?

In motorcycle financing, you need to understand that the cheapest financing is not always the most economical. Motorcycles are comprehensively available from new to older bikes. Motorcycle financing decisions are therefore also very diverse. For newer motorcycles, it's possible to get affordable financing from the standard installment side, but then comprehensive insurance is also required for the motorcycle. Of course, it's also recommended to get it, even if the financing doesn't require it.

Here are a few examples;

  • Harley Davidson Touring, 2010 model year, driven 43,000 km.
    The customer received affordable financing for the target from LähiTapiola with a down payment, but it required comprehensive insurance. This was a good solution for the customer because they ride a lot and had accumulated bonuses with the insurance company, allowing them to get motorcycle insurance affordably.
  • KTM 350 EXC-F, 2014 model year, driven 650 km.
    The customer's goal was to get a long payment period with the smallest possible monthly payment. LähiTapiola granted good financing from the standard installment side. The customer was young and hadn't accumulated bonuses with the insurance company. We calculated with Rahoituskumppani that the customer saves a large sum of money by taking financing from the light installment side, even though the interest rate is higher there. The customer could thus keep partial comprehensive insurance on the bike during the season when riding, because the financing company only required liability insurance for the bike. This way they saved hundreds of euros per year!

YOU MUST HAVE A VALID DRIVING LICENSE FOR THE MOTOR VEHICLE BEING FINANCED TO OBTAIN FINANCING.

Submit credit application

How do we operate?

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1. Application

Submit a financing application on Rahoituskumppani's website. Please fill in all fields of the application so we can make an offer. The final item for which financing is applied does not need to be the same as in the first application, as we can update the item later if needed. The financing offer is always based on the overall picture, which is influenced by the item, structure, and applicant. The offer itself is not binding. If you want quick processing, or have already tentatively agreed on a deal with the seller, contact us by email at myynti@rahoituskumppani.fi

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2. Contact

After receiving the credit application, we process it with several financing companies. We always compare multiple options and then review the possibilities with you. Once we agree on the financing, we ask you to contact the seller directly. This way you can freely agree on a suitable schedule and choose the most suitable place for the deal. All deals are carried out with Rahoituskumppani's chosen partner. We also ask you to tell the seller that Rahoituskumppani will be financing the deal, and that we always call the seller.

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3. Contacting the seller

We always call the seller directly and explain how Rahoituskumppani's process works. We also tell them that the buyer has received an approved credit decision from us and that we will be financing the device for the new user. We act as the payer and transfer the entire purchase amount to the account chosen by the seller. We always also explain our background and all our partners. In the conversation, we open up payment schedules, necessary paperwork, and insurance, among other things. Doing business with us is always safe and easy. We always check the identities of all parties to the deal, and the sales contracts are signed through strong authentication.

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4. Appointment booking

An appointment must always be made at our office. We are happy to book the appointment for you, unless you specifically want to book it yourself. If you want to book the appointment yourself, please always contact our sales so we can contact the relevant station and forward the necessary information. This applies to all rubber-wheeled vehicles and snowmobiles. For watercraft, we do our own inspection, and in this case, the inspector also acts as the identifier. If a common time at the station cannot be scheduled, the device can be taken to a different station than the personal visit if necessary. In any case, everything will definitely be arranged!

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5. Electronic sales contracts

We almost always make electronic sales contracts, and 90% of financing agreements are now also in electronic form. We send all sales contracts by email, and they use strong authentication linked to the personal identity code. If necessary, we also handle deals on paper at the inspection office. We take care of the necessary paperwork for you, except for the test drive form, so you can focus on what matters.

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6. Finalizing the deal

With all parties present, we check the parties' identities at the same time as inspecting the subject of the deal. The vehicle also normally undergoes a periodic inspection. The vehicle is also verified on each visit by checking the chassis number from the device. Electronic sales contracts are signed at the place of sale when the necessary procedures have been completed. If the buyer has a trade-in car, it is left at the station. The buyer also signs the electronic financing agreement. When the papers are signed and the people making the deal and the vehicle have been checked, the deal is complete. The seller provides the electronic certificate and account number.

Use financing to help with your motorcycle purchase

Purchasing a motorcycle always involves much more than just finding a suitable unit and making a deal. Equipment may need to be updated, a used bike might need annual maintenance or new tires, and at the very least, you should have some travel money left in your riding season fund. At the time of purchase, it's worth considering different financing options and ensuring an arrangement that suits you and leaves you room for other expenses. At Rahoituskumppani, we always tailor financing according to your needs.

If you already have a suitable motorcycle picked out, move forward from here and submit a credit application to us. We'll get back to you as soon as possible and get you your dream motorcycle affordably!

Submit credit application
Moottoripyörä

Why is motorcycle financing through Rahoituskumppani worthwhile?

A bank loan for motorcycles can be quite expensive, and putting collateral on a motorcycle isn't the most sensible solution. Rahoituskumppani's interest rate for motor vehicle financing normally doesn't exceed 6.9%, unless the financing company sets special conditions. Therefore, financing through us is always affordable, whether it's standard or light installment financing. The item you purchase serves as collateral, so you can forget about additional collateral in these financings. We also make the transaction easier by handling the purchase agreements and registration on your behalf.

Motor vehicle financing VS bank loan

A motorcycle is often just a hobby vehicle that isn't necessary in daily life. Especially with such leisure equipment, it makes sense to choose financing instead of a bank loan. As many probably know, you often need to put something up as collateral for a bank loan. Without collateral, the bank loan interest rate can rise significantly. Surely many would like to get the vehicle in their own name. But does that provide security? For example, in consumer loans, the interest rate can be as high as 8.9%-10%, but you get the vehicle in your own name against an expensive consumer loan. If a problem occurs, the vehicle is yours, not the financing company's.

Read more about Rahoituskumppani's process

Vehicle inspection checklist

In connection with motor vehicle financing, the vehicle serves as collateral and the financing company becomes the owner of the vehicle. You are still the user of the vehicle yourself, so focus on inspecting the vehicle before making the purchase. This way you ensure that the vehicle is in good condition and as you expected. We compiled an inspection checklist for motorcycle inspection!

Checklist for buyers

Customer Service

Our expert financing specialists will help you find the best financing options.

Contracts, registration, payments

010 524 3305

Mon-Fri 10:00-18:00

asiakaspalvelu@rahoituskumppani.fi

Rahoituskumppani

010 524 3305

Mon-Fri 10:00-18:00

myynti@rahoituskumppani.fi
Rahoituskumppani - Vehicle financing starting from 2.99% interest - Apply now
    Motorcycle Financing - Rahoituskumppani