Dirt Bike Loans

Whether you’re new to dirt biking or you’ve been into it for years, you’ll need certain dirt bike gear to enjoy it to the full. While dirt bike protective gear is a must, you can’t go far without the dirt bike itself. Which is where dirt bike loans come in.

Unless you can afford to pay for your dirt bike outright, a dirt bike loan can provide a handy alternative. Dirt bike loans can be used to finance new or used dirt bikes, with plenty of loan options and features to choose from.

So, what should you look for when you apply for a dirt bike loan?

Loan Amount

Working out how much to borrow on your dirt bike loan is key. However, getting it right means thinking about two important factors. First up, how much can you afford to borrow. Secondly, how much is the dirt bike you’re looking to buy.

Do some research to find out more about the dirt bike you want. If you’re new to the world of dirt bikes, that may mean reading up on some internet guides. It’s worth bearing in mind that if you’re new to dirt biking, you may want to buy a second hand bike first.

When working out what bike to buy, you’ll need to think about your skill level, your own personal size, and what you want to do with the bike. Do you want to ride on the road? Or do you only want to ride on trails? These questions should help you choose the right bike for you.

Then, you need to work out what you can actually afford. You may have a dream bike in mind, but that doesn’t mean you can afford it. Think about how much you can afford in monthly repayments, and use a loan calculator to find the loan that suits your budget.


As with any loan, dirt bike loans come with interest. The interest you pay on your dirt bike loan will depend on the loan you choose, and the lender. Opting for a fixed rate loan means you will have a fixed rate of interest throughout the length of the loan. That means your repayments will always remain the same.

If you choose a variable rate loan, on the other hand, your loan will attract a variable rate of interest. That means your repayments may go up or down according to the interest charged by your lender. If interest rates fall, you save money. If interest rates rise, you may end up paying more.

Loan Term

To compare dirt bike loans, you also need to think about the loan term. This is the length of the loan. Loan terms for dirt bikes generally range between one and seven years, depending on the provider.

Choosing a loan term means thinking about how much you can afford in repayments each month. Armed with that info, use a loan calculator to work out how long it will take you to repay the loan – including interest.

Play around with loan terms using the loan calculator. This can help you choose the repayment schedule that fits your budget, over the shortest loan term possible. Drawing out the loan will only cost you more in interest, making the loan more expensive overall.

Loan Features

When you compare dirt bike loans, you have to look at the features on offer. You will have decide whether you want a secured loan or an unsecured loan, choosing whether you want to secure your bike or another asset to the loan as collateral.

This can make it easier to get approval, especially if the bike is new or near-new. It can make the loan cheaper as well. Secured dirt bike loans can be seen as lower risk, so lenders may charge less in interest.

Other features to look out for include fees, such as application fees, monthly service fees, early repayment fees and extra repayment fees. Dirt bike loans may also feature minimum loan amounts, which may affect the cost of bike you purchase.

Now, with that in mind, is there anything else you need to know to apply for dirt bike loans?

Do you need to provide anything with the loan application?

Loan application requirements vary according to lender. Some dirt bike loans may require more paperwork than others. Other dirt bike loans – such as bad credit bike loans – may have different requirements entirely. In general, you will need to provide employment and income details, information about your assets, and other personal info.

To find out more, check out each loan in detail, reading the small print before you apply. If you’re happy with what you find, and have compared all the dirt bike loans on offer, it’s time to complete the application.