Calculadora de Préstamos para Motocicletas
Preguntas Frecuentes
Preguntas comunes sobre Calculadora de Préstamos para Motocicletas
El crédito excelente (720+) suele obtener un APR de 5-6%, mientras que el crédito bueno (680-719) ve un APR de 7-9%. El crédito regular (640-679) paga un APR de 10-12%. Las cooperativas de crédito suelen ofrecer las mejores tasas (4.5-7%), mientras que la financiación del concesionario puede situarse en 7-12% salvo promociones. Las motocicletas deportivas pueden tener tasas 1-2% más altas debido a su mayor índice de accidentes.
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Sources & References
Powersports Lending Rates
Interest rates from motorcycle manufacturers' financial services, banks, credit unions, and online lenders. Rates vary significantly by new vs. used, loan term, and credit tier. Promotional rates typically require excellent credit (720+ FICO) and may include dealer incentive limitations.
Amortization Calculations
Uses standard loan amortization with monthly compounding. Calculations include principal and interest only. Does not include extended warranties, gap insurance, dealer fees, or gear costs. Some lenders allow financing of taxes, title, and registration, increasing loan amount by 5-10%.
Recreational Vehicle Risk Factors
Motorcycles are recreational vehicles for most owners and face rapid depreciation. Avoid financing beyond your expected ownership period. Gap insurance recommended for new bikes with minimal down payment. Some lenders require proof of motorcycle safety course completion and full coverage insurance.
⚠️ Recreational Vehicle Risk Factors