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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.
You have a few options when it comes to Ducati financing. These include:
*Rates and terms as of July 2019.
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.
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:
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.
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.
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.
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 1200 R
Multistrada 1260 Pikes Peak
Panigale V4 S
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.
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.
Picture: Shutterstock and Ducati’s official page
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