Financing by MotoLease

Get that bike today!

It’s never been easier to finance the motorcycle of your dreams. With MotoLease, you get the best of both worlds – the bike that you really want and payment options that fit your budget.

As an alternative to the major banks and traditional lenders in personal finance, we strive to treat every customer individually, fairly and with the respect they deserve. MotoLease is specialized in helping consumers with credit challenges. While most finance companies approve a select group of consumers, MotoLease was established to finance almost anyone looking for a powersports vehicle with top credit to those who may have credit challenges. Our goal is to help as many consumers as we can within responsible leasing limits.

Which vehicles are eligible for the MotoLease Program?

MotoLease will fund new and used powersports vehicles that are up to fourteen (14) model years old. There are no mileage limitations. As long as the make and model is available in the NADA powersport guide, we can get it financed.

Vehicle Usage - All vehicles must be for personal use only. Vehicles intended for commercial use are not eligible.

What is the maximum lease amount?

Your lease amount can be up to $20,000. MotoLease can fund more expensive powersports vehicles if you use a trade-in or larger down payment for the difference. Down payments range from 10% to 30% (we may increase the maximum lease amount for well-qualified borrowers).

What are my lease payment terms?

The lease payment term ranges from 18 months to 60 months based on the lease amount and credit qualifications. There are no prepayment penalties if you elect to pay off your lease early.

How can I apply to MotoLease?

You may apply directly at or at one of the MotoLease authorized dealer locations. If you have a desired vehicle that you would like to lease from a dealer that is not already working with us, please provide us their information and we will contact them to show how MotoLease can help their customers like yourself.

How long does it take to get approved?

We instantly approve most qualified applicants and manually review those that may require additional information in order to maximize the approvals. You can expect to receive a decision on your application within twenty minutes during regular business hours.

What are your business hours?

      Monday through Friday: 8am to 6pm Pacific time
      Saturday and Sunday: 8am to 4pm Pacific time

What happens after I submit my application?

Here are the steps once we receive your application.

  • Pre-Approved - Congratulations! Now that you are pre-approved, we will need to process your application for you to start enjoying your new vehicle.

    In most cases, you will need to provide: 
         1- E-signed lease documents
         2- Two most recent paystubs or other verifiable income (waived for well-qualified MotoLease Plus applicants)
         3- Copy of insurance binder (if you don’t have one, we can provide assistance to get it quickly)
         4- Voided check (if you chose auto debit from your checking account as your payment method)
         5- Copy of your driver's license.
        To protect your personal information and make sure that you’re the lessee, we may need a short phone call to confirm that you understand the lease contract terms.

  • Verified Approval - Now that you've completed the paperwork, it is time for the fun stuff and you may schedule a time with your dealer to pick up your vehicle.

  • Pending for Additional Review - In rare occasions, we may need more information to complete the process. In these instances we will contact you to further discuss your application.

  • Declined - This is not a message we want to give, but not all applicants can be approved based on the information provided, and we are not able to provide a lease approval at this time. You will receive a credit score disclosure and adverse action letter in the mail within 10 business days in these situations. We encourage you to reapply with a cosigner which may increase your chance of approval. Please keep in mind that our main focus is not your previous credit history but your repayment ability. 

What if I have poor credit or no credit at all?

That's not always a problem. MotoLease has flexible credit requirements and attempts to qualify most of its applicants. MotoLease has been able to help many people with special circumstances restore their credit by making on-time payments on their lease of a powersports vehicle.

Will having a lease help me build my credit?

Absolutely! Vehicle financing is an excellent way to either build or re-build your credit. Maintaining a good relationship with your vehicle lender will help show other lenders that you are a good credit risk. As you repay your lease on time, you will demonstrate that you have put your credit problems behind you. MotoLease reports your payments to the major credit agencies.

Is MotoLease a good option for me if I have good credit?

We approve our most well-qualified applicants under the MotoLease Plus program that has lower fees, very competitive monthly payment options and a simplified paperwork process. Enjoy the benefits of a lease while taking advantage of lower cost of leasing with your good credit profile.

How long until I get my funds?

Once your application has been approved and documents are verified, funds are transferred directly to your dealer for your vehicle.

What’s the eligibility criteria?

At a minimum, you will need to have a regular income (minimum $1,500 before taxes), be a US Citizen orPermanent Resident and be at least 18 years of age. Other credit and approval criteria will apply depending on your individual profile, but we approve all kinds of borrowers ranging from top credit to very low credit scores or no scores every day.

What happens at the end of the lease term?

You have options. You may return the vehicle; return and MotoLease another one; or purchase your leased vehicle. Your contract will include the residual value to purchase your vehicle at the end of your lease term, which ranges from 10% to 25% of your net capitalized cost (lease amount) and $150 purchase option fee.

What are the fees?

There are no hidden fees. What you see on your contract is what you will pay. Typically there is an acquisition fee and servicing fee that is calculated based on your repayment term ($5 per month). Your security deposit is waived if you choose automated ACH (direct debit) as your repayment method. In addition, all MotoLease powersport vehicles require a GPS unit that is installed on your vehicle; you will be charged for this device.

Do I need to provide a down payment?

In most cases you will be required to provide minimum 10% down payment, which might be more based on your application qualifications. 

How do I make payments?

You will receive the payment instructions after approval. Paying by ACH direct debit saves you time and the hassle of manual payments; it also helps you to avoid fees from missed and late payments (make sure you have sufficient funds in your account to cover the monthly payments).