Finder may earn compensation from partners, but editorial opinions are our own. Advertiser Disclosure

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.

Compare motorcycle loans to finance a Ducati

Name Product APR Min. Credit Score Max. Loan Amount
BHG personal loans
A highly-rated lender with quick turnaround and reliable customer service.
Credible personal loans
2.49% to 35.99%
Fair to excellent credit
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
Best Egg personal loans
5.99% to 29.99%
A prime online lending platform with multiple repayment methods.
PenFed Credit Union personal loans
5.99% to 17.99%
With over 80 years of lending experience, this credit union offers personal loans for a variety of expenses.
SoFi personal loans
4.99% to 19.63%
A highly-rated lender with competitive rates, high loan amounts and no fees.
Monevo personal loans
1.99% to 35.99%
Quickly compare multiple online lenders with competitive rates depending on your credit.
Tally+ Express
7.9% to 29.99%

Only available for Line of Credit and Debt consolidation

Upgrade personal loans
5.94% to 35.97%
Affordable loans with two simple repayment terms and no prepayment penalties.
Upstart personal loans
5.55% to 35.99%
580 or 600 depending on state of residence
This service looks beyond your credit score to get you a competitive-rate personal loan.

Compare up to 4 providers

Name Product Minimum credit score APR Loan term Requirements
PenFed Auto Loans
Starting at 1.79%
3 to 7 years
Active membership with PenFed
Low APR car loans from a well-known credit union.
No minimum credit score
3.9% to 27.9%
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates. Car Loans
Varies by network lender
Varies by lender
Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
CarsDirect auto loans
No minimum credit score
Varies by network lender
Varies by network lender
Must provide proof of income, proof of residence, and proof of insurance.
Save time and effort with this lending service specializing in beginner-friendly or subprime car loan.
Auto Credit Express Car Loans
Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada.
Get connected with an auto lender near you, even if you have bad credit.
Monevo Auto Loans
3.99% to 35.99%
3 months to 12 years
Credit score of 500+, legal US resident and ages 18+.
Quickly compare multiple online lenders with competitive rates depending on your credit.
Good to excellent credit
Starting at 0.99%
Varies by lender
18+ years old, good to excellent credit, US citizen
Compare multiple financing options for auto refinance, new car purchase, used car purchase and lease buy out. Car Loans
Starting at 1.89%
550+ credit score, no open bankruptcies, $24,000+ annual income, US citizen or permanent resident, 18+ years old
Get up to four offers in minutes through one simple application. Multiple financing types available including new cars, used cars and refinancing.

Compare up to 4 providers

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


  • 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


  • 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

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site