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How to finance a Kawasaki

Learn about your options for Kawasaki financing, whether you want to buy a motorcycle, ATV, side-by-side or jet ski.

Founded in 1896, Japanese brand Kawasaki has established itself as a key contender in the motorcycle market. It also offers a range of leisure vehicles including ATVs, side-by-sides and jet skis.

How can I finance a Kawasaki?

There are a few ways to finance your Kawasaki — from motorcycle and personal loans to applying through Kawasaki.

Powersport vehicle loans from banks and credit unions

Banks and credit unions can offer financing for motorcycles, ATVs, snowmobiles and other powersport vehicles, so they are a strong option when you need Kawasaki financing. Below are some common features of powersport vehicle financing from banks and credit unions.

  • Secured vs unsecured. The loan may be unsecured or secured. If the loan is secured, then your Kawasaki will act as collateral, and the lender can seize it if you fail to make repayments. If it’s unsecured, then the loan has no collateral. Secured loans tend to have lower rates than unsecured loans.
  • Fixed vs variable rate. You might be able to choose between a fixed or variable rate. With a fixed rate, your interest rate stays the same throughout your loan term. With a variable rate, your interest rate will fluctuate with the markets, which can cause your repayments to increase or decrease.
  • Loan term can be several years. As an example, Scotiabank offers loan terms up to 72 months for a powersport vehicle loan, while Coast Capital, one of the biggest credit unions in Canada, offers up to 84 months.

Apply for a powersport vehicle loan

Name Product Loan Amount Interest Rate Loan Term Min. Credit Score Requirements Table description
Coast Capital Car Loan
$10,000 - No Max.
18 - 84 months
Able to service debt payment of $300/month
Competitive rates and flexible terms.
Finance new and used vehicles from one of Canada's largest credit unions. No credit union membership required. Available across Canada except SK, QC, NT, NU, YT.

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Key features of Coast Capital: A major credit union that can finance a wide range of vehicles, including powersport vehicles. A membership is not required to get this loan.

How to apply: Apply online in as little as 10 minutes and get a response on the same business day to learn about your rates and terms.

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Personal loans

You can get personal loans from banks, credit unions and online lenders. If you have fair or bad credit (less than 660), then you will have a better chance of getting approved by an online lender than by banks or credit unions. Below are some common features of personal loans.

  • Secured vs unsecured. Just like with powersport vehicle loans, personal loans can be secured (with collateral) or unsecured (no collateral). With a secured personal loan, the collateral can be assets you own, like your investments or house.
  • Interest rates. Banks and credit unions offer fixed and variable rates. Online lenders offer fixed rates. Banks and credit unions have more competitive interest rates than online lenders, but they have stricter eligibility requirements.
  • Loan terms. The loan term for a personal loan is usually up to 5 years, but some lenders can offer longer terms.
  • Loan amount. The loan amount for a personal loan can range from $500 to $50,000.

Compare personal loans from online lenders

Name Product Interest Rate Loan Amount Loan Term Requirements Credit Score Link
Loans Canada Personal Loan
Secured from 2.00%, Unsecured from 8.00% to 46.96%
$300 - $50,000
3 - 60 months
No min. income or employment requirements
Min. credit score: 300
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An online broker with the largest lender network in Canada. Get matched for free with lenders offering both unsecured and secured loans through one quick application regardless of your financial situation.
Spring Financial Personal Loan
17.99% - 46.96%
$500 - $15,000
9 - 48 months
Min. income of $1,800 /month, 3+ months employed
Min. credit score: 400
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An online lender offering unsecured personal loans and credit builder loans. Those filing for bankruptcy or a consumer proposal can also apply. If you're not eligible for an unsecured loan, you may be offered a loan to help rebuild your credit.
goPeer Personal Loan
8.00% - 33.92%
$1,000 - $25,000
36 - 60 months
Recommended income of $40,000 /year
Min. credit score: 600
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Canada's first regulated consumer peer-to-peer lending platform offering unsecured loans. Connects creditworthy Canadians looking for a loan with Canadians looking to invest. goPeer strives to offer the most competitive interest rates. Apply in minutes and get a response within 24 hours.
Mogo Personal Loan
9.90% - 46.96%
$200 - $35,000
6 - 60 months
Min. income of $13,000 /year
Min. credit score: 500

Mogo offers a 100-day money-back guarantee. If you're not happy with your loan, pay back the principal and get your 100 days of paid interest and fees back.
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An online lender who aims for a hassle-free process through same-day unsecured loan approval and funding. Get a loan fast and track your credit score for free.
ConsumerCapital Personal Loan
19.99% - 34.99%
$1,500 - $12,500
24 - 60 months
Min. income of $1,900 /month, 6+ months employed
Min. credit score: 600
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An online lender that provides fast unsecured personal loans. Complete an application in less than 10 minutes and get a decision within 24 hours. For faster loan approval, complete the Flinks bank integration in the app.
SkyCap Financial Personal Loan
12.99% - 39.99%
$500 - $10,000
9 - 36 months
Min. income of $1,200 /month, stable employment
Min. credit score: 550
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An online lender offering unsecured personal loans to borrowers with a wide range of credit scores. Apply in less than 5 minutes and if approved, receive financing in as little as 24 hours.
LoanConnect Personal Loan
Secured from 1.90%, Unsecured from 5.75%-46.96%
$500 - $50,000
3 - 120 months
Currents debts must total less than 60% of income
Min. credit score: 300
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An online broker who helps inform clients towards better finances. Get pre-approved by different lenders for unsecured or secured loans in 5 minutes with any credit score.
Fairstone Unsecured Personal Loan
26.99% - 39.99%
$500 - $25,000
6 - 60 months
Able to make monthly repayments on your loan
Min. credit score: 560
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An online lender with a team dedicated to professional service. Get a quote for an unsecured loan without impacting your credit score. Receive funds within as little as 24 hours. No prepayment fees.
Fairstone Secured Personal Loan
19.99% - 23.99%
$5,000 - $50,000
60 - 120 months
Must be a homeowner
Min. credit score: 560
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Use your home equity to get a secured loan up to $50,000 with flexible repayment options and a long loan term. Get a quote without impacting your credit score.
Loan Away Personal Loan
19.90% - 45.90%
$1,000 - $5,000
6 - 36 months
No min. income or employment requirements
Min. credit score: 300
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A lender that approves unsecured loans in as little as 20 minutes. Get affordable monthly repayments with any credit score.

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Finance through Kawasaki

Another option is to go through Kawasaki, who’ll partner with a lender such as TD to get you financing. Sometimes, Kawasaki will offer deals for certain models. For example, in June and July 2021, you can get 1.99% or 3.99% with 60- or 84-month terms for a range of models. Check the Kawasaki website to see the latest offers. Keep in mind that since the financing is through a big bank, you may need to have good to excellent credit score.

Representative example: Aiysha buys a Kawasaki

Aiysha, a resident of Ontario, just got her M Class license and wants to hit the streets on a new motorcycle. After doing a little research, she heads to a nearby dealership to look at a 2020 Kawasaki Ninja 400 ABS priced at $7,400.00. Aiysha loves the look and feel of the bike, which rides powerfully but isn’t too tough for her to handle as a novice.

She makes a 15% deposit of $1,110.00 on the bike and applies for dealership financing to cover the rest ($6,290.00) plus 13% HST. Because of her solid credit history, Aiysha is approved for an auto loan with competitive terms. Along with the cost of her loan, she also pays around $180.00 to register the bike with the province of Ontario – this includes the cost of license plates, a sticker and a vehicle permit.

Cost of new motorcycle$7,400.00
Loan typeAuto loan (term loan)
Loan amount$7,252.00
Interest rate (APR)5.50%
Loan term5 years
Additional fees4.00% origination fee ($290.08)
$0.00 application fee (waived by lender)
Payment $138.52 monthly or $63.86 biweekly
Total loan cost$8,311.20 with monthly payments or $8,301.80 with biweekly payments

*The information in this example, including rates, fees and terms, is provided as a representative transaction. The actual cost of the product may vary depending on the retailer, the product specs and other factors.

Does Kawasaki offer special discounts or programs?

As of June 2021, Kawasaki is offering 1.99% or 3.99% with 60- or 84-month terms for certain models. Below is a snapshot of models and financing, but it is not exhaustive, so be sure to visit the Kawasaki website for the full list.

1.99% for 60-month financing

  • 2019-2020 NINJA ZX-14R
  • 2019 NINJA ZX-10R
  • 2019 NINJA ZX-6R

1.99% for 84-month financing

  • 2019 NINJA ZX-10R
  • 2019 NINJA ZX-6R
  • 2019-2020 NINJA H2 SX

Does a new Kawasaki come with a warranty?

Yes, but the exact length of your warranty depends on the model you buy and can range from 6 months to 3 years.

Most motorcycles and all ATVs have a 1-year limited warranty. Kawasaki side-by-side models have a 3-year limited warranty, and all jet skis come with a 12-month limited warranty.

The limited warranty covers any materials or workmanship found to have a factory defect (including parts and labour), but repairs needs to be done at an authorized Kawasaki dealer within the Canada.

You’re on the hook for towing and transportation costs. The warranty does not cover defects due to accident, misuse, improperly performed repairs, improperly performed installations and normal wear and tear. Note that none of the KX models are covered by the manufacturer’s warranty, except where defects are due to pre-sale damage.

While this bare-bones warranty doesn’t offer the most exceptional coverage on the vehicle market, it does provide some recourse if there are defects on your bike or other Kawasaki vehicle.

Bottom line

If you’re looking for a durable bike, ATV or watercraft, Kawasaki has likely made it to the top of your shopping list. Though the brand’s prices are higher than some of its competitors, you have several financing options to consider — including motorcycle loans, personal loans and dealer financing. You could also score additional savings depending on what seasonal promotions are available.

Check out our guide to personal loans to compare lenders. Or read up on motorcycle financing to learn more about how it works.

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