Motorcycle financing without the dealer add-ons.
A first street bike or a fully sorted café racer, financed at a fixed rate with none of the dealer accessories, prep charges, or padded rate rolled into the deal.
Fixed rates from
8.74%APR with AutoPay*
Assumes excellent credit. Your rate is determined by your credit profile, amount, and term.
Checking your rate does not affect your credit score.
What it covers.
- A new or used street, sport, cruiser, or adventure bike
- A private-seller purchase paid directly from your account
- Riding gear, a first service, and registration together
- A restoration or a tasteful build on a bike you already own
Why a Lightstream loan.
No packed-in dealer extras
Powersports financing is notorious for bundled add-ons. A fixed-rate loan funds the bike you actually chose — you decide separately what gear and accessories to add.
One fixed payment, every season
A motorcycle is often a seasonal purchase, but your payment stays the same year-round and never floats with the powersports lending market.
Buy from anyone
Dealer, marketplace, or the rider two towns over — funds in your account make you a cash buyer wherever the right bike turns up.
Nothing lienholders can complicate
Unsecured means no title lien to clear before a future sale, and no penalty if you decide to pay the loan off early.
Loan amounts and terms.
- Loan amounts
- $3,000 – $100,000
- Repayment terms
- 2–12 years
| Loan term | APR range with AutoPay* | Example payment per $10,0002 |
|---|---|---|
| 3 years | 8.74%–19.74% | $316.79/mo |
| 4 years | 9.54%–20.54% | $251.42/mo |
| 5 years | 10.44%–21.44% | $214.64/mo |
| 6 years | 10.44%–21.44% | $187.48/mo |
| 7 years | 11.54%–22.54% | $174.08/mo |
| 10 years | 11.54%–22.54% | $140.82/mo |
Funds can be received as soon as the same business day for applications approved before 2:30 p.m. Eastern time.¹
Frequently asked questions.
Yes. Funds are deposited to your account, so a private-party motorcycle purchase works the same as buying from a dealer — you pay the seller directly and handle the title transfer with them, with no lender-to-seller escrow to arrange.
No. Because the loan is unsecured, sport bikes, cruisers, and adventure machines are all underwritten the same way — on your credit and income — rather than on an insurer-style risk rating for the model.
You can size the loan to cover the bike plus the gear, first service, and registration, since the money funds to your account rather than only to a dealer. Just include those costs in the amount you request.
A program minimum applies and is shown in the calculator for this purpose. For a modest used bike under that floor, many riders fold the purchase into a slightly larger loan that also covers gear and setup.
Related loan purposes.
Disclosures
*Loan terms vary by loan purpose, amount, term, and credit profile. The lowest advertised rates require excellent credit. 29.46% of approved applicants who applied for the lowest rate qualified for it, based on data from 01/01/2026 to 03/31/2026. The rate quoted includes the AutoPay discount; the AutoPay discount is only available prior to loan funding, and rates without AutoPay are 0.50% points higher. All loans are subject to credit approval; additional conditions and limitations apply. Advertised rates and terms are subject to change without notice.
¹Same-day funding is available if your loan is approved on a banking business day and, by 2:30 p.m. Eastern time, you complete these steps: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; (3) complete the final verification process.
²Example payments are per $10,000 borrowed at the lowest APR shown for that term, include the AutoPay discount, and assume excellent credit. Your payment is determined by your amount, term, and credit profile.
Payment example: Monthly payments for a $10,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $309.87.
Maximum APR for a Lightstream loan is 25.39%. Loan terms range from 24 – 240 months depending on the loan purpose.