Loan amountUp to ₱400,000
Term12/24/36 months, non-conventional variant also 48
Published rate2.43–2.88% monthly add-onRegular new/used motorcycles, other variants differ
Monthly repaymentQuote neededProvider conditions applyView loan →
COMPARE · 5 COMPANIES
Motorcycle loans
Compare motorcycle financing for your commute or delivery work. Check the down payment, monthly installment and extra costs against the bike’s cash price.
Go to the comparison ↓
A LITTLE ABOUT YOUR PLANS
Start with what you need.
Move the sliders. We’ll narrow down the options for you.
1 Your needs2 Your options
YOUR STARTING POINT, MADE CLEARER
5 companies to compare
Choose an amount and term above to see potential options.
Updates as you adjust
We check your choices against published information. Missing terms still need confirmation, appearing here does not mean approval. How this works
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions +
Loan amountConfirm your limit
Term12–36 months
Published rateModel-specific quoteDifferent motorcycle tiers and offers
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions +
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions +
Loan amountConfirm your limit
TermConfirm available terms
Published rateBy quotationModel and dealer dependent
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions +
What could the repayments look like?
Try different amounts, repayment periods and interest rates in the loan payment calculator. It is an independent example, not this company’s quote. A longer term can lower each payment while increasing total interest.
Already know your monthly budget? Estimate an amount you could plan around. For an actual offer, include its fees and payment schedule.
BEFORE YOU CHOOSE
What deserves a closer look
Start with the cash price
Ask for the motorcycle’s cash price and subtract your deposit to find the amount being financed.
Get the complete dealer quote
Registration, insurance, processing charges and financed accessories can vary between dealers and offers.
Leave room for running costs
Fuel, maintenance, safety equipment and time off the road belong in your monthly budget too.
Your questions, answered.
Can I finance a used motorcycle as well as a new one?
Yes, some companies in our comparison finance selected used motorcycles. BPI includes second-hand units from its repossessed inventory, and SB Finance also offers repossessed units. This does not mean any privately sold motorcycle qualifies. Confirm the exact unit before paying a reservation.
Can I buy from any motorcycle dealer?
Not necessarily. Motorcycle financing can be tied to accredited dealers or a lender’s own inventory. Check whether your preferred dealer, model and location are covered before comparing the deposit and monthly payment.
Can I get a motorcycle loan with no down payment?
There is a limited option in our comparison: BPI lists no minimum down payment for its Ayala/GG programme. That is a specific programme, not its standard offer for every buyer. Other BPI variants require a deposit, and SB Finance also requires one. Ask BPI whether you qualify for the programme and request a quotation showing any other upfront costs. We have not verified another no-down-payment offer among our listed companies.
Where should I pay the motorcycle down payment?
Pay only through the dealer or payment channel named in your approved agreement. Confirm the recipient with the lender, get an official receipt and keep a copy. Avoid sending a deposit to an individual simply because they claim to arrange financing.
Can self-employed motorcycle buyers apply?
Yes. BPI and SB Finance include qualifying self-employed applicants. You will need evidence that your income can support the repayments. Prepare business or earnings records and confirm how much operating history the lender requires.
Does motorcycle insurance come with the monthly payment?
Not necessarily. Insurance may be billed upfront, added to the financed amount or paid separately. Ask what cover is compulsory, what it costs and whether renewal premiums fall due while you are still repaying the bike.
What happens if I lose an on-time payment rebate?
If your offer includes an on-time rebate, a late payment can increase the amount due by removing that discount, and a separate penalty may also apply. Compare the regular installment as well as the discounted one so your budget does not depend on always receiving a rebate.
How should I compare two motorcycle installment offers?
Compare motorcycle installments using the same bike’s cash price. Add the down payment, all monthly payments and compulsory charges such as documentation or registration. A lower monthly installment can cost more overall if the repayment term is longer.
Does Pesopal approve motorcycle loans or lend me money?
No. Pesopal compares motorcycle borrowing options and published information. The lender or programme administrator assesses your application and issues the offer. Changing our filters does not submit an application or guarantee eligibility.
What should I verify after comparing motorcycle options on Pesopal?
Check the bike’s cash price, down payment, insurance and total installments on the lender’s official website or app, then confirm your written offer. Rates, fees, limits and requirements can change after our review, Pesopal’s figures are a comparison starting point, not a binding quote.