Motorcycle Title Loans
Apply Online & Keep Riding
Need cash but don’t want to sell your bike?
A motorcycle title loan lets you borrow against your bike’s value and keep riding. Funds are often available the same business day8. Like other title loan services, the amount depends on your bike’s value and your ability to repay, and much less on your credit score.
Motorcycle Title Loans by the Numbers
$3,530
Average Loan Amount
$1,550 to $4,330
Typical Loan Range
2017
Avg Vehicle Year
348
Loans Funded
Based on 348 motorcycle title loans funded across all 5 Star Car Title Loans service states from 2024 to 2026. Actual loan amounts vary based on your motorcycle’s condition, mileage, your ability to repay the loan, and state regulations. “Typical Loan Range” reflects the 5th/95th percentile of funded motorcycle title loans.
Key Takeaways
- Loans Funded: 348 motorcycle title loans funded across our service states from 2024 to 2026.
- Loan Amounts: Average funded loan was $3,530. Borrow up to $50,000, up to 50% of bike value.
- Approval Factors: Bike value and proof of income are the main factors6. Bad credit considered.
- Typical Bike: The most-funded motorcycle was a 2017 Harley-Davidson.
- Keep Riding: Keep using your motorcycle during the loan term while we hold the title lien.
- Borrow Responsibly: Missing payments may lead to repossession, so borrow what fits your budget.
- Free, No Obligation: Submit your bike and personal info online for pre-approval in about 5 minutes8.
Most Common Motorcycles Financed
| Make | Avg. Loan Amount | Avg. Vehicle Year | Loans Funded |
|---|---|---|---|
| Harley-Davidson | $3,632 | 2017 | 183 |
| Suzuki | $3,586 | 2017 | 27 |
| Kawasaki | $3,484 | 2018 | 27 |
| Honda | $2,821 | 2016 | 21 |
| Yamaha | $3,697 | 2017 | 19 |
| BMW | $3,802 | 2018 | 16 |
| KTM | $2,903 | 2016 | 13 |
Top 10 motorcycle makes financed by 5 Star Car Title Loans, based on 348 funded motorcycle title loans from 2024 to 2026.
Motorcycle Types We Finance
We work with most motorcycles that have a clear title and sufficient equity, including:
- Cruisers (Harley-Davidson, Indian, Honda Shadow)
- Sport bikes (Yamaha YZF-R, Honda CBR, Kawasaki Ninja, Suzuki GSX-R)
- Touring bikes (Honda Gold Wing, Harley Touring, BMW K-Series)
- Adventure and dual-sport (BMW GS, KTM Adventure, Triumph Tiger)
- Standard and naked bikes (Yamaha MT, Triumph Street Triple, Suzuki SV)
- Vintage and classic motorcycles in good condition
- Trikes and three-wheelers with clear titles
Most Interesting Motorcycles We Finance
Out of 348 motorcycle title loans funded, a few bikes stand out. Electric, Italian heritage, three-wheelers, and a discontinued American brand have all crossed our underwriting desk.
2023 LiveWire LW1
Harley-Davidson’s electric brand spinoff. The only EV in our motorcycle loan book.
2018 Harley-Davidson Tri Glide Ultra
A full touring trike. Built for two-up long-distance comfort, top of our funded values.
2018 Ducati Panigale V4
Track-bred V4 superbike from Bologna. Italian engineering, race DNA.
2014 Moto Guzzi California 1400
Mandello del Lario’s flagship cruiser. Transverse V-twin, a true heritage rarity.
2022 Can-Am Ryker 900 Rally
Reverse trike with off-road styling. Adventure-ready three-wheeler.
2015 Victory Cross Country 8-Ball
Victory Motorcycles shuttered in 2017, but Polaris’s American cruiser still rolls.
2015 Husqvarna FE 501S
Swedish-Austrian street-legal enduro. Razor-light single-cylinder dual-sport.
2024 Kawasaki Z900 ABS
A 948cc naked sportbike funded with only 1,100 miles on the clock.
2018 Harley-Davidson FLHR Road King
109,080 miles and still rolling. The highest-odometer motorcycle in our loan book.
A small sample of notable motorcycles funded by 5 Star Car Title Loans between 2024 and 2026. Photos via Wikimedia Commons under CC BY-SA 3.0 / 4.0. Credits: LiveWire by Auge=mit, Tri Glide by Jim Heaphy, Moto Guzzi 1400 by Elkawe, Victory Cross Country by Thesupermat, Husqvarna FE-series by KTM AG.
How a Motorcycle Title Loan Works
A motorcycle title loan is a fast cash loan that uses your bike’s title as collateral. The loan amount depends on your bike’s value and your ability to repay6. You keep riding while repaying your loan through manageable monthly payments.
We look at the motorcycle’s year, make, model, mileage, condition, VIN, and aftermarket value to decide how much to lend.
Once you accept the loan, we place a lien on the motorcycle’s title. The bike stays with you and you keep riding it during the loan term.
After signing, funds arrive by direct deposit, often the same or next business day8. When the loan is paid off, the lien is released and the title comes back to you.
How Much Can You Borrow on a Motorcycle Title Loan?
The loan amount depends on two things: your motorcycle’s market value and your ability to repay. We typically lend up to 50% of the bike’s value, subject to your income and state law6.
Loans range from $100 to $50,000. Based on 348 recent funded motorcycle title loans, the average funded amount was $3,530, with most borrowers receiving between $1,550 and $4,330.
To give you a realistic idea, here are recent funded examples from our underwriting records:
| Year | Bike | Miles | Funded |
|---|---|---|---|
| 2024 | Kawasaki Z900 ABS | 1,100 | $3,515 |
| 2022 | Can-Am Ryker 900 Rally | 1,500 | $4,107 |
| 2019 | Harley-Davidson Ultra Limited Low | 87,000 | $4,107 |
| 2016 | Harley-Davidson Street Glide | 11,000 | $4,015 |
| 2015 | Indian Chieftain | 11,661 | $3,104 |
| 2007 | Honda VT1100 Shadow | 16,000 | $1,248 |
Actual amounts vary based on your motorcycle’s condition, mileage, your ability to repay, and state regulations.
Three Easy Steps to Get a Motorcycle Title Loan
- Apply Online or Call for Pre-Approval: Submit your motorcycle and basic information in about 5 minutes8. Get a pre-qualified loan amount and term with no obligation to accept.
- Send Documents and Verify the Bike: Provide your title, ID, proof of income, proof of residence, and insurance. Verify the bike with clear photos of the motorcycle, odometer, and VIN. Usually completed remotely, no physical inspection needed.
- Sign Your Contract and Get Funded: Review the APR, fees, and total cost before signing. Funds release the same or next business day8 by direct deposit2. Pay off on schedule to clear the lien and get your title back.
Is a Motorcycle Title Loan Right for You?
A motorcycle title loan can help if you need cash fast and have bad credit, but it will likely cost more than a bank loan or credit card.
Before applying, we encourage you to consider different types of emergency loans first, especially if you need a short-term loan for an emergency expense.
If you decide a motorcycle title loan is the right option for you, review the APR, fees, monthly payment, and total cost before signing your contract. The CFPB’s guide to title loans explains how these loans work and your rights as a borrower. Remember that missed payments can lead to repossession, so borrow only what you can comfortably repay.
Bad Credit Cash Options, Cheapest to Most Expensive
Before signing a title loan, it is worth checking lower-cost options. The right choice depends on your credit profile, income, and how fast you need the cash.
| Option | Speed | APR | Loan Amount | Best For |
|---|---|---|---|---|
| Credit Union PAL | 1 to 3 days | Up to 28% (capped) | $200 to $2,000 | Safest bad-credit option if you are a credit union member |
| Co-Signer Loan | 3 to 7 days | 10% to 36% | $1,000 to $50,000 | If a partner or friend can vouch with their credit |
| Bad-Credit Personal Loan | 1 to 3 days | 18% to 100%+ | $1,000 to $50,000 | If you can show steady income and qualify |
| Credit Card Cash Advance | Same day | ~25% to 30% plus fees | Subject to card limit | Small amounts with an open card |
| Motorcycle Title Loan (us) | Same day | Varies by state | $100 to $50,000 | Bad credit OK, you keep riding |
| Payday Loan | Same day | 300% to 500%+ | $100 to $1,000 | Usually the worst option, fast debt spiral |
Note: Even with bad credit or no credit, lenders must verify your income. Most title and payday lenders do not check your credit score, but they require proof of steady income and a clear title to approve the loan. See the FTC’s guide to payday and car title loans for more on weighing your options.
How to Choose Your Motorcycle Title Lender
A motorcycle title loan is a high-cost product, and the wrong lender can make a tight situation worse. Use this short checklist before signing with anyone, including us.
- Check the license. Verify the lender is licensed in your state. Search the NMLS Consumer Access database by company NMLS ID. 5 Star Car Title Loans is NMLS ID 1442517.
- Get the APR and total cost in writing. Before signing, ask for the APR, all fees, monthly payment, and the total of payments. If a lender will not show these to you in writing, walk away.
- Check independent reviews. Look at Google Reviews, BBB, and Trustpilot. Patterns matter more than any single review.
- Know your state-specific rights. Prepayment terms, repossession notice, redemption rights, and any surplus return after a sale are set by state law. Check our title loan laws by state guide so you know exactly what your lender owes you.
Can I Get Completely Online Motorcycle Title Loans With No Inspection?
Yes, in many cases you can get a motorcycle title loan fully online without a physical inspection. Application, document signing, and funding all happen remotely, often within the same business day8.
Clear photos and a short video walk-around of your motorcycle replace the in-person look. You can submit everything from a smartphone, so there is no driving to a branch and no appointment to schedule. Most riders complete the full process from home.
A physical inspection may still be required in a few situations: if your photos are unclear, or if the bike has been heavily customized from the configuration on the title.
What Are the Requirements?
Have these ready before you start the application to keep your motorcycle title loan moving:
- A clear motorcycle title in your name: no liens, no co-owners listed. Title must be current and registered in your state.
- Clear photos of the bike: left side, right side, front, rear, the odometer reading, and the VIN plate.
- Recent proof of income: last 2 pay stubs, 30 days of bank deposits, a recent 1099, or a settlement statement.
- Proof of residence: utility bill, lease, or mortgage statement dated within 30 days.
- Active motorcycle insurance card showing comprehensive coverage.
- Valid government-issued photo ID with your current address (driver’s license, state ID, or passport).
Cons of Motorcycle Title Loans
- High Interest Rates and Fees6: These loans often come with competitive interest rates that can still be high compared to traditional loans. Additional fees may also apply, increasing the overall cost.
- Risk of Losing Your Motorcycle9: Since the loan is secured by your motorcycle title, failure to repay on time can result in repossession of your vehicle.
- Potential for Debt Cycle6: If you are unable to repay the loan within the term, you might be offered a rollover or extension, which adds more fees and interest, potentially trapping you in a cycle of debt.
- Limited Loan Amounts: The loan amount is typically a percentage of your motorcycle’s value, which might be less than what you need.
- Not Suitable for Long-Term Financing: These loans are designed for short-term financial needs and are not a good option for long-term borrowing or financial planning.
Motorcycle Title Loans Near You
5 Star Car Title Loans serves motorcycle borrowers in 13 states. Find your state and nearest city to see local terms, requirements, and the bikes we have funded in your area.
Estimate Your Motorcycle Title Loan Payment
Run a quick estimate before you apply. Our title loan calculator covers motorcycles, cruisers, sport bikes, and touring bikes. Adjust the amount and term to see a full amortization schedule with the monthly payment, total interest, and total cost for each option.
Frequently Asked Questions (FAQs)
What Disqualifies You for a Title Loan?
You may be disqualified if you do not have a lien-free motorcycle title in your name, cannot provide valid identification, or fail to demonstrate the ability to repay the loan.
What Credit Score Is Used for a Motorcycle Loan?
A credit check may be part of the process, but your credit score is not the main factor for approval.
Even if your score is below 580, which is typically considered bad credit, you may still qualify.
How Fast Can I Get a Motorcycle Title Loan?
The online application takes about 5 minutes8. You get a conditional pre-qualification right away, with no obligation.
If your documents are signed before 2 PM local time on a business day, funds can be released the same business day or next business day by direct deposit.
What Are the Terms for a Motorcycle Title Loan?
Motorcycle title loans typically run up to 48 months. Exact terms vary by state and your bike’s value6.
Early payment is always available with no prepayment penalty or extra fee. Always review the full APR, fees, monthly payment, and total cost before signing.
Can I Refinance My Motorcycle Title Loan?
Yes. If your current motorcycle title loan has a high APR, a monthly payment that does not fit your cash flow, a short term, or you want to switch lenders, refinancing into a new loan with better terms can lower your total cost7.
See our Should You Refinance Your Title Loan? guide to weigh the math, or apply online for a free estimate.
What Happens If I Miss a Payment?
Missing payments can lead to repossession of your motorcycle9.
State law sets specific rules for the notice period, your right to redeem the bike, and what happens to any surplus after a sale. Check our title loan laws by state guide for your exact rights, and contact us as soon as possible if you anticipate a missed payment so we can discuss options.
