Motorcycle financing
Apply online in a few minutes, before or after you pick a bike. First-time buyers welcome. We’ll go through the options with you, in person or on the phone.
Updated
Save time and get pre-approved
Know where you stand first. Pick the bike when you’re ready.
First-time buyers welcome
No credit history yet? Apply anyway; we’ll talk you through it.
Many lenders, one application
We work with many banks and lenders to get you the best rate we can.
Sealed in your browser
Your application is encrypted before it leaves your screen. Only our finance team can open it.
What fits my budget?
Pick a monthly payment and a down payment. We’ll show the bikes it covers.
Estimate only. Not an offer of credit. 9.9% APR is the standard rate we use for estimates; the rate you’re offered depends on credit approval. Works out the total price with sales tax for Brea, North Orange County, and the DMV fees for a new street bike. Each bike page shows the exact estimate for your ZIP.
How it works
Apply online
One form, about ten minutes. Add the bike if you’ve picked one.
We call you
Our finance specialist goes through what the lenders came back with.
Choose what fits
Term, down payment and any manufacturer program you qualify for, worked out with you.
Sign and ride
Paperwork here on our campus, then the bike is yours.
Who you’ll talk to
Brian handles financing and extended warranties. Questions before you apply? Call and ask for him.
Brian Leigh
Finance Specialist
Extended warranty
Coverage that runs past the factory warranty, on new and pre-owned bikes. Ask Brian what’s available for the bike you’re looking at and what it covers.
Already own a Triumph, Ducati, Royal Enfield or Suzuki? Our free recall and warranty check tells you where its factory coverage stands.
Questions riders ask
Can I estimate a payment first?
Yes. Every new and pre-owned bike page has a payment estimate. Enter your ZIP for sales tax and licensing, set your down payment and compare terms side by side. It uses our standard 9.9% APR for estimates. It is an estimate only, not an offer of credit, and the rate you’re offered depends on credit approval.
Can I apply before I pick a bike?
Yes. Apply first and you’ll know where you stand before you shop. Tell us the bike later.
Do you finance first-time buyers?
Yes. First bike, first loan or a thin credit file: apply and we’ll go through the options with you.
What do I need to apply?
Your contact details, address and housing, employment and income, and your Social Security number and date of birth. Have your driver’s license handy when you come in.
Will applying affect my credit?
A lender checks your credit when it reviews an application. Ask us how that works before you apply and we’ll explain it plainly.
Are there manufacturer financing offers?
Often. Triumph, Ducati, Royal Enfield and Suzuki run their own financing programs on approved credit; the current ones, with their terms and end dates, are on our offers page.
Who sees my application?
Only the two people who handle finance at SCM. Your browser seals the application before it is sent, and it never travels by email.
Apply for financing
About ten minutes, sealed in your browser. We’ll call you to go through the options.