High Loan Amount
Get up to Rs 3.5 Lakh, based on your requirement and eligibility. The amount can easily finance most commuter bikes, scooters, and premium models.
Two Wheeler Loan – Unlock Your Dream Ride
Gear up for endless adventures on your dream bike with a two-wheeler loan. Get 100% on-road financing for up to Rs 3.5 lakh. Rate starts from 14% p.a.
- Loan up to 3.5 Lakh
- Longer Tenure
- No Hidden Charges
- Flexible Repayment
Calculate Your Two Wheeler Loan EMI
Best NBFC for Two Wheeler Loan – Instant Bike Financing
A two-wheeler loan offers you the freedom to buy a bike or scooter without paying the full cost upfront. You can use the loan to finance your purchase and repay through easy monthly EMIs.
Hero FinCorp, a top-rated NBFC, offers 100% on-road financing for up to Rs 3.5 Lakh. With quick approval through instant decisioning and interest rates starting from 14% p.a., owning a bike has never been easier.
Whether you are salaried or self-employed, you can access this loan. Flexible repayment tenures of up to 60 months make it an ideal choice for first-time buyers, low-income earners, and students alike.
Take the first step to purchasing your dream ride. Use the Two-Wheeler Loan EMI Calculator to compare instalments across tenures. Then apply online or through a Hero MotoCorp dealership with minimal documentation.
Why Choose Hero FinCorp for Your Two Wheeler Loan?
Hero FinCorp is a trusted Indian NBFC, approved by the RBI and backed by Hero Group. A two-wheeler loan from Hero FinCorp is a financial solution designed to make your riding dreams come true. It offers attractive features and flexible terms to bring home your desired bike.
Here are the key reasons that make Hero FinCorp stand out for two-wheeler loans:
LTV Ratio Up to 95%
Use the loan to finance up to 95% of your two-wheeler’s cost. This helps keep your upfront down payment low and own your chosen bike.
Competitive Interest Rates
At Hero FinCorp, interest rates for two-wheeler loans start from 14% p.a. The low rates keep monthly EMIs affordable, making it easier for you to own your bike.
Flexible Repayment Tenure
Leverage the power of flexible repayment tenure. Choose a tenure of up to 60 months to fit your EMI into your budget without feeling financially burdened.
Quick Approval
Experience quick loan approval with instant decisioning. This minimizes the wait between applying for the loan and riding home.
Minimal Paperwork
You need minimal documentation for this loan. A simple loan application process and easy terms ensure a hassle-free borrowing experience.
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Two Wheeler Loan Eligibility Criteria
Getting a two-wheeler loan from Hero FinCorp is easy. To be eligible, you must meet a few basic requirements.
The eligibility criteria for a two-wheeler loan at Hero FinCorp are as follows:
| Criteria | Requirement |
| Age | At least 18 years |
| Citizenship | Indian citizen residing in India |
| Applicant Type | Salaried or self-employed individuals, including first-time buyers, students, and low-income earners |
| Work Experience | Minimum one year |
| Minimum Monthly Income | ₹10,000 per month |
| Loan Amount | Up to ₹3,50,000 or 95% of the bike's market value, subject to lender policy |
Paperless Documents Required
Hero FinCorp enables you to secure a two-wheeler loan with easy documentation. For online applicants, physical submission of documents is not required.
You need to keep the following documents handy for your two-wheeler loan application:
- Mandatory Documents – Application form and Passport photo
- Identity Proof – Aadhaar / PAN / Passport / DL
- Age Proof
- Residence Proof – Aadhaar / Utility bill / Ration card
- Income Proof – 6 months’ salary slips & bank statement, or ITR for self-employed
Note: Salaried and self-employed applicants have slightly different income-proof requirements.
Factors Affecting Two-Wheeler Loan Interest Rate
When you apply for a two-wheeler loan, lenders evaluate your application based on a few factors. These factors impact the interest rate on your loan.
Here are the factors that impact a two-wheeler loan interest rate:
- Credit Score
- Monthly Income
- Loan Tenure
- City Tier
- Category of Vehicle
- Lender-Borrower Relationship
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Frequently Asked Questions
The two-wheeler loan tenure depends on the lender. Hero FinCorp offers a flexible repayment period of 6 to 60 months for two-wheeler loans, enabling you to plan your repayment.
Hero FinCorp provides instant online approval of two-wheeler loans through its website and mobile app. The processing speed depends on verification requirements and the documents submitted.
Yes. Hero FinCorp offers the option of two wheeler loan prepayment. You can prepay the loan in keeping with the foreclosure terms in your agreement.
Yes. Lenders consider your CIBIL score or credit score to determine your creditworthiness. A good credit score can help you get a two-wheeler loan approval quickly. It also improves your chances of getting a lower interest rate.
A zero-down-payment bike loan is a financing option that enables you to purchase a two-wheeler without making any upfront payment. Hero FinCorp offers this loan. However, the loan amount may be lower, or the interest higher. Review the terms and conditions before applying.
The processing time for a two-wheeler loan can take anywhere from a few hours to a few days. It varies based on the documentation submitted and the eligibility criteria met.
No. Lenders require proof of income to determine your repayment capacity. Whether you are salaried or self-employed, you must submit proof of income to get a loan for a 2-wheeler.
The two-wheeler loan eligibility criteria vary across lenders. At Hero FinCorp, you must be at least 18 years old and have a regular source of income to be eligible for the loan.