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In a fast-paced city slowed down by massive traffic jams, how are you rushing to work? If you are anything like our ace photographer Kabir, you are wondering how to navigate the city too. With happy couples, waiting on Kabir to capture their precious moments it is important for him to reach the wedding venues in time to set up and be present for those picture perfect moments. Getting stuck in delayed trains or paying sur-charge for cabs during rush hour simply aren’t feasible options for him anymore.

Kabir’s solution to these traffic woes is his dream bike which is efficient and low maintenance and will also help him arrive in style. The only hiccup now is finding enough funds to purchase this bike. With his savings covering only a fraction of the Rs 85,000 he needs for the bike, Kabir is still contemplating whether he should take a two-wheeler loan or wait till he can save up enough money to buy the bike.

Here are a few things Kabir found while looking for the best way to purchase his dream bike that might also help you.

Advantages of a Two-wheeler Loan

  1. Increases purchasing power:

Two-wheeler loans help you increase your purchasing power. When you opt to purchase a bike by paying for it in one go, you opt for a model that is within your current budget. With a two-wheeler loan, you can get a bike with better features and also a higher price tag as bike loans are extremely affordable.

  1. Easy application process:

The eligibility criteria are quite simple for bike loans and if you have all the required documents and loan credentials, your loan is disbursed quickly. Moreover, with the entire application process going online, you can apply for the loan from the comfort of your home. No more standing in long lines and chasing bankers for you.    

  1. Comes with flexible terms:

There is stiff competition among the lenders and therefore, they offer attractive interest rates to potential customers. You can make the most of it by negotiating for better terms from the appropriate financial institutions. You can get better interest rates as well as longer tenures to decrease the EMIs.

  1. Reduces burden on monthly budget:

This is one of the reasons that helped Kabir make his final decision. Is it prudent to invest all his savings at once to purchase the bike and completely disrupt his budget? What if he needs Rs 40,000-50,000 for a professional or medical emergency? Therefore, experts always suggest that you save some money to deal with unforeseen expenses. When you opt for a bike loan, you can avoid such sudden financial strains. With comfortable EMIs, you can repay the whole amount without risking falling in a debt trap and continue to plan your monthly budget without any financial stress.

  1. Improves your credit score:

Lenders attach a lot of value to your credit score when evaluating loan applications especially in case of unsecured loans. If you are looking to improve your credit score, taking a bike loan is a good way to do it. When the loan amount is fully repaid, it would reflect positively in your credit history and increase your creditworthiness. Thanks to this, your future loan approvals will get easier and quicker with lenders offering better loan terms.    

  1. Extra benefits:

Many financial institutions have tie-ups with bike dealers and that can help you in getting extra benefits like zero or minimal registration fees and prepayment fees, instant ownership, free insurance cover, complimentary accessories, huge cashbacks, and heavy discounts on your next purchase among many others.

Why should I opt for Hero FinCorp’s Two-Wheeler loan?

Our services are highly recommended because we offer higher loan amounts at reasonable interest rates and tenures as per your convenience. We ask for minimal documentation and our approval rate is quite high. The entire process from application to disbursal of loan takes place in a smooth and swift manner. We also offer several repayment modes like PDC, ECS, NACH, Cash, etc. Therefore, if you are looking for a lender who understands your needs and financial commitments, you have come to the right place, as Hero FinCorp is a trusted brand with thousands of happy clients.


After much deliberation, Kabir opted to take a two-wheeler loan from Hero FinCorp to buy the bike which will improve his quality of life. Over 21 million people purchase two-wheelers in India annually and this year, Kabir is one of them. Thanks to a two-wheeler loan, you too can ride home on your favourite bike. If you are contemplating buying a two-wheeler, Kabir’s research might help you make a financially sound decision as well.


Did You Know


The act of paying out money for any kind of transaction is known as disbursement. From a lending perspective this usual implies the transfer of the loan amount to the borrower. It may cover paying to operate a business, dividend payments, cash outflow etc. So if disbursements are more than revenues, then cash flow of an entity is negative, and may indicate possible insolvency.

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