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How to finance a Ducati

Find the right motorcycle loan from the manufacturer or lender.

Ducati’s sleek aesthetic and recognizable engine roar has captured the attention of fans and hobbyists alike. But because of this — and its association with brands like Lamborghini — it can be an expensive ride. Fortunately, you have a few financing options, both from the car maker itself and third-party lenders.

How can I finance a Ducati?

You have a few options when it comes to Ducati financing. These include:

  • Ducati Traditional Financing. A standard therm loan with the same fixed repayments with APRs starting as low as 0% for 36 months or 0.99% for the 60 months, depending on eligibility and the vehicle.*
  • Motorcycle loan. Online lenders, banks and credit unions offer loans that typically use your motorcycle as collateral. You can typically borrow up to 100% of the vehicle’s value with APRs starting around 5% and terms up to 84 months.
  • Personal loans. If you don’t want to use your bike as collateral, an unsecured personal loan might be the best choice, though it could cost you more. This option tends to run from $3,000 to $50,000 with rates starting at 6% and terms as long as 84 months.

*Rates and terms as of July 2019.

Ducati financing vs. motorcycle loan

If speed is your biggest priority, financing your new motorcycle directly through Ducati typically has the fastest turnaround. However, lenders tend to offer more competitive rates and terms — unless Ducati or your local Ducati dealership may offer its own special deals like cash back or low-APR financing. The rates and terms you qualify for depend on your credit history and personal financial situation.

Consider Ducati financing if…

  • You can qualify for a deal. You won’t be able to find 0% APRs with any motorcycle lender.
  • You’re in a time crunch. You can typically sign off on your loan and your ownership papers when you get a car.
  • You’re new to bikes. Ducati has additional incentives for new riders on top of potential rate and fee discoutns.

Consider a motorcycle loan if…

  • There are no deals. Most Ducati incentives are short-lived. If there are no incentives that grab your attention, a lender might be the best way to go.
  • Your bank offers motorcycle loans. Many banks and credit unions offer discounted rates to current customers with an active checking account.
  • You can’t qualify for a discount. Rates can get high on manufacturer financing if you don’t have excellent credit and a high income.

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Name Product Minimum credit score APR Loan term Requirements
LightStream Auto Loans
Good to excellent credit
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2 to 7 years
Must have a good to excellent credit profile, be a US citizen or a permanent resident with a valid green card, have a valid Social Security number, credit card verification requested upon loan approval and have a valid US address.
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CarGurus
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CarsDirect auto loans
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Carvana
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Does Ducati offer special discounts or programs?

Yes. Ducati has several discount and incentive programs, most notably its New Riders Program. This program offers a $250 prepaid card to reduce the cost of your Certified Motorcycle Course when you purchase your first Ducati. Not all models are eligible, however. You must buy one of the following vehicles:

  • Monster 797+
  • Monster 821
  • SuperSport
  • Scrambler Sixty2
  • Scrambler Icon
  • Scrambler Full Throttle
  • Scrambler Mach 2.0

Ducati also typically offers reduced rates and fees, as well as other incentives that change with the season. Check with your local dealership for the most up-to-date information.

Am I eligible for Ducati financing?

While Ducati doesn’t advertise eligibility on its loans, you typically have to be a US citizen or permanent resident, over 18 and have strong personal finances. Generally, you need to have a credit score of 740 or higher to get that 0% APR financing. You might have trouble qualifying for financing if your monthly debt payments are worth more than 43% of your income.

Watch out for balloon payments

In the past, Ducati has offered deals that offer lower monthly repayments in exchange for one large payment at the end — called a balloon payment. While this might make your bike more affordable upfront, it can be difficult to afford when your balloon payment is due. It’s common to refinance that balloon payment with another loan. But this means you’re in debt for longer and will pay more in interest and fees.

What will a new Ducati cost me?

Ready to splurge on a new Ducati? Comparing the manufacturer suggested retail price (MSRP) of a few models can give you an idea of how much you can expect to borrow. The actual cost of your Ducati will vary based on where you live, extra features you add on and your negotiation skills.

Monster 797+

  • Starting MSRP: $9,295

SuperSport

  • Starting MSRP: $12,995

Multistrada 950

  • Starting MSRP: $13,995

959 Panigale

  • Starting MSRP: $15,395

Diavel 1260

  • Starting MSRP: $19,195

Monster 1200 R

  • Starting MSRP: $19,395

XDiavel

  • Starting MSRP: $20,495

Multistrada 1260 Pikes Peak

  • Starting MSRP: $24,995

Panigale V4 S

  • Starting MSRP: $27,495

Compare your motorcycle insurance options to keep monthly costs down

Does a new Ducati come with a warranty?

Yes, Ducati offers a two-year limited warranty on all of its new bikes — no matter how many miles you ride it. It’s fully transferrable and applies internationally too, which means you’re covered no matter where you travel or who you sell your bike to.

To ensure your warranty remains valid, you need to take your bike in for regular servicing at specific year and mile markers. It doesn’t cover damage caused by accidents or other negligent use, however. And it can’t be used if you ride your bike in sporting competitions.

Bottom line

If you’re on the hunt for a bike with a sleek design from a word-renowned brand, you may want to consider a Ducati. These motorcycles don’t come cheap, though, so you’ll want to look into your financing options first. While going directly through a Ducati dealer is typically fastest, you may be able to find a better rate with a loan from a bank or online lender.

Read our guide to motorcycle loans to compare your options and learn more about how they work.

Frequently asked questions

Picture: Shutterstock and Ducati’s official page

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