How to finance a Suzuki

Although Suzuki no longer sells cars in the US, it still offers a variety of vehicles perfect for getting out and seeing the world. Between Suzuki’s motorcycles, ATVs and boats, you have plenty of options to choose from. And since its prices are relatively competitive, you won’t have to spend an arm and a leg financing your new vehicle.

How can I finance a Suzuki?

Ready to get out on the road — or open waters — with a new Suzuki leisure vehicle? You have a few financing options to choose from:

• Financing through Suzuki. Suzuki partners with Sheffield Financial and Synchrony Bank to finance its leisure vehicles. In the past, there have been promotions including 0% APR financing for up to five years on select ATVs and cashback bonuses of up to $2,000 on select motorcycles.* This is typically your fastest option, but you might be able to find a more competitive rate if you finance through a bank or online lender yourself.
• Financing through a dealership. Your local dealership may partner with another financial service to offer financing for your bike, boat or other leisure vehicle. Depending on where you live, you may find cashback bonus deals, low down payment offers or 0% APR financing promotions.
• Leisure vehicle loans. Many online lenders, banks and credit unions offer loans specifically for purchasing motorcycles and other leisure vehicles. These generally have lower interest rates than financing directly through Suzuki or a dealer, but it takes more time to compare lenders and fill out prequalification forms to find the best deal.
• Personal loans. Most banks, credit unions and online lenders allow you to use a personal loan for any legitimate purchase — including getting behind the wheel of a new boat or ATV. However, since this type of loan isn’t secured by the vehicle you’re purchasing, you may find the rates and terms to be less than desirable.

The rates and terms you qualify for will depend on your credit score and personal financial situation.

_{*Rates as of November 27, 2018.}

Compare loans for financing a Suzuki

Does Suzuki offer special discounts or programs?

Suzuki doesn’t offer any special buyer programs for veterans or college graduates. However, it does occasionally run promotions that give qualifying individuals access to lower rates and cashback bonuses. You can find these on Suzuki’s website, though the exact terms you receive will depend on your creditworthiness and current financial situation.

What will a new Suzuki cost me?

Suzuki offers a range of motorcycles, scooters, ATVs and boats. Because of this, prices vary widely. Its cheapest motorcycle will cost $1,749, while its most expensive motorcycle will cost $15,149 for the basic trim.

Motorcycles

Whether you’re interested in a sportbike or an adventure motorcycle, here are just some of the models Suzuki has on offer:

2019 model	Starting MSRP	Body
GSX250R ABS	$4,899	Sportbike
GSX-R750	$12,499	Sportbike
Hayabusa	$14,799	Sportbike
Boulevard S40	$5,799	Cruiser
Boulevard M50	$8,699	Cruiser
Boulevard M109R B.O.S.S.	$15,149	Cruiser
Boulevard C50T	$9,499	Touring
Boulevard C90T	$13,049	Touring
SV650	$7,099	Standard
GSX-S750Z	$8,499	Standard
GSX-S1000	$11,099	Standard
VanVan 200	$4,649	Dualsport
DR650S	$6,599	Dualsport
V-Strom 650	$8,799	Adventure
V-Strom 1000	$12,999	Adventure
DR-Z400SM	$7,349	Supermoto
RM85	$4,199	Motocross
RM-Z450	$8,949	Motocross
DR-Z50	$1,749	Off-road
DR-Z125L	$3,299	Off-road
RMZ450Z	$8,999	Off-road

Scooters and ATVs

From ATVs for off roading to scooters for zipping around town, here are a few of the options Suzuki has available:

2019 model	Starting MSRP	Body
QuadSport Z90	$2,999	Sport ATV
Burgman 200	$4,999	Scooter
KingQuad 400ASi	$6,499	Utility sport ATV
KingQuad 400FSi	$6,499	Utility sport ATV
KingQuad 500AXi	$7,499	Utility sport ATV
Burgman 400	$8,199	Scooter
KingQuad 750AXi	$8,799	Utility sport ATV

Boats

Suzuki doesn’t list its boat prices directly on its website. Instead, you’ll need to request a quote by providing your contact details and information about the engine and type of boat you’re interested in purchasing.

Bottom line

Suzuki can get you where you want to be — whether that’s tearing up the trails or gliding through the open water. Though it doesn’t offer any special buyer programs, you have a few financing options to choose from. While going directly through Suzuki or a dealership is likely your fastest option, you may be able to score a lower rate by taking out a leisure vehicle loan from a bank or credit union instead.

Read our guide to motorcycle loans to compare lenders and learn more about how it all works.

Frequently asked questions

• Why does Suzuki no longer sell cars in the US?

  American Suzuki Motor stopped selling cars in the US due to poor sales and marketing. After filing for Chapter 11 bankruptcy in 2012, it now focuses solely on its motorcycles, scooters, ATVs and boats in the US market.

• Are Suzuki's warranties transferrable?

  Yes. For all of its products, the limited warranty that comes with a new Suzuki follows the vehicle, not the owner. This means you’ll be covered under warranty if you buy a used Suzuki within the warranty period.

• Where can I find a Suzuki dealer near me?

  You can search for a dealer on the Suzuki website by clicking Find a Dealer in the top navigation bar. Enter your ZIP code and click Go. A list of Suzuki dealers near you, along with their address and phone number, should pop up.

_{Picture: Shutterstock}