How to finance a Ducati | finder.com
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How to finance a Ducati

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Never owned a motorcycle before? You may be able to score a special discount.

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 to consider. And new riders may be able to score a special discount.

Our top pick: Credible Personal Loans

  • Min. Credit Score Required: 670
  • Min. Loan Amount: $1,000
  • Max. Loan Amount: $100,000
  • 5.34% to 35.99%
  • Requirements: Have good to excellent credit, ages 18+ and be a US citizen or permanent resident.
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Our top pick: Credible Personal Loans

Get personalized rates in minutes and then choose a loan offer from several top online lenders.

  • Min. Credit Score Required: 670
  • Min. Loan Amount: $1,000
  • Max. Loan Amount: $100,000
  • APR: 5.34% to 35.99%
  • Requirements: Have good to excellent credit, ages 18+ and be a US citizen or permanent resident.
Promoted

How can I finance a Ducati?

Not all lenders are willing to finance a motorcycle, so your choices are limited to motorcycle loans, personal loans and dealer financing. Your most cost-effective option is finding a motorcycle loan from a bank, credit union or online lender. These typically come with lower rates, though it takes time to compare lenders and fill out preapproval forms to find the best deal. Another option is to take out a personal loan. However, you likely won’t find the most competitive rates since your loan won’t be secured by the bike you’re purchasing.

If speed is your biggest priority, financing your new motorcycle directly through Ducati typically has the fastest turnaround. You have two options to choose from:

  • Traditional financing through Ducati Financial Services. Finance your new or used bike through one of Ducati’s authorized dealers. While promotions vary depending on where you live, past offers include 0% financing for up to three years on the 2018 Scrambler or up to $1,000 back to spend on Ducati apparel and accessories.*
  • Premier financing through Ducati Financial Services. A combination of purchasing and leasing, you get the low monthly payments that come with a lease. And after a final balloon payment, you own your bike in full. Past promotions include financing the 2018 Scrambler for $97 a month for four years with 10% down and $1,000 back to spend on Ducati apparel and accessories.*

Your local Ducati dealership may offer its own special deals like cash back or low-APR financing. The rates and terms you qualify for will depend on your credit history and personal financial situation.

*Rates as of November 29, 2018.

Compare loans for financing a Ducati

Updated April 18th, 2019
Name Product Filter Values Minimum Credit Score Max. Loan Amount APR
Good to excellent credit
$100,000
5.34% to 35.99%
Get personalized rates in minutes and then choose a loan offer from several top online lenders.
550
$100,000
3.99% to 35.99%
Quickly compare multiple online lenders with competitive rates depending on your credit.
620
$50,000
7.99% to 35.89%
Affordable loans with two simple repayment terms and no prepayment penalties.
640
$40,000
6.95% to 35.89%
A peer-to-peer lender offering fair rates based on your credit score.
680
$100,000
5.99% to 16.24%
No fees. Multiple member perks such as community events and career coaching.
550
$10,000
34% to 155% (Varies by state)
Check eligibility in minutes and get a personalized quote without affecting your credit score.
640 FICO®
$35,000
5.99% to 29.99%
A prime lender with multiple repayment methods.
550
$100,000
3.84% to 35.99%
Get connected to competitive loan offers instantly from top online consumer lenders.

Compare up to 4 providers

Updated April 18th, 2019
Name Product Filter Values Minimum Credit Score Loan Term Requirements
300
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.
300
Varies by lender
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.
Good to excellent credit
Good or excellent credit, enough income or assets to afford a new loan, US citizen or permanent resident, 18+ years old
Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.
Fair or better credit
From 2 years
Car must be less than 10 years old with fewer than 120,000 miles. Current loan must have a balance between $5,000 and $55,000 and at least 24 months left in its term.
Lower your monthly car payments and save on interest through a fast and easy online application process.
510
Varies
Income of $2,000+/month, vehicle has less than 150,000 miles and is no older than 8 years, loan balance is between $10,000 and $100,000, debt-to-income ratio is less than 50%
Connect with a network of over 150 lenders to refinance your car loan.
Good to excellent credit
Varies by lender
Must be a US citizen and 18+ years old. Must have good to excellent credit.
Compare multiple financing options for auto refinance, new car purchase, used car purchase and lease buy out.

Compare up to 4 providers

Does Ducati offer special discounts or programs?

Ducati doesn’t have any special discounts for military members or college students. However, through its New Rider Program, you can get a $250 prepaid card to reduce the cost of your Certified Motorcycle Course when you purchase your first Ducati.

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.

2018 Ducati modelStarting MSRP
Monster 797+$9,295
SuperSport$12,995
Multistrada 950$13,995
959 Panigale$15,395
Diavel 1260$19,195
Monster 1200 R$19,395
XDiavel$20,495
Multistrada 1260 Pikes Peak$24,995
Panigale V4 S$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.

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