(800) 250-6279MOTORCYCLE TITLE LOANS OF $1,000 OR MORE
Get a loan with a motorcycle as collateral, and you don’t need excellent credit to qualify.
GET APPROVED FOR A MOTORCYCLE TITLE LOAN
Do you have equity in your motorcycle? Why not use that equity as collateral for an online title loan? Here at Premier Title Loans, it's our goal to get you the best terms on a loan that fits your budget. You can apply over the phone at 800-250-6279 or online, and get pre-approved with a paid off motorcycle.
What Are Motorcycle Title Loans
Motorcycle title loans allow you to borrow cash for any financial emergency, using a lien-free motorcycle as collateral. As with a vehicle-secured loan, you can use your motorbike as collateral to get a title loan when you otherwise would have little chance of qualifying for an unsecured loan with poor credit.
These loans are possible on most lien-free motorcycles as long as they are registered and titled in your name with your state’s DMV. It doesn’t matter if you own a Harley-Davidson, a Honda Street Bike, or an ATV. You can keep your motorcycle for the life of the loan, as long as you make on-time payments each month. Once pre-qualified, you may borrow up to 30% of the bike’s resale value.
Premier Title Loans provides fast pre-approval, and you can apply and receive your funds in 1 business day. Do you have a bike that’s not entirely paid off or is registered in someone else’s name? Even if you still owe your original lender, we may be able to help you in these situations. Call us at 800-250-6279 to see if your bike qualifies as collateral.
How Much Money Can I Borrow With A Motorcycle Title Loan?
Loan amounts using your motorcycle as collateral are often lower than those for a typical car title loan, but that doesn’t mean you can only borrow a few hundred dollars. Loan amounts for a motorcycle title loan range from $1,000 to $20,000.
Do you need to borrow $3,000 or more? You’re in luck if you own a newer Harley-Davidson that has low mileage. Recently manufactured Sport, Cruiser, and Touring models have resale values that should exceed $10,000, and you can typically borrow 30% or more with these types of motorcycles. Call Premier Title Loans at 800-250-6279 to get an accurate value for your motorcycle.
Are you looking to get your funds as quickly as possible? Apply today to have funds deposited into your checking account in 1 business day or less. Fast payments are easier than ever with direct deposit, and you may also be able to get your money with a money order from a local lender.
Should I Take Out A Loan On My Motorcycle
Motorcycle title loans are ideal for anyone needing cash in less than one business day. Use your bike as collateral for a loan if you can’t get approved for an unsecured loan because of poor credit, or need more money than you’d get from a bank loan.
Remember that title loans have high interest rates (some title loan companies in Florida and Georgia have monthly interest rates of 30% or higher), and you don’t want to default. Any missed payments can lead your lender to repossess your motorcycle.
Another thing to consider with a motorcycle-secured loan is that you should use it only as a last resort. Can you qualify for a personal loan because of poor credit? If you can get a loan that doesn’t require collateral, that should be your number one option.
Requirements For A Motorcycle Title Loan
A paid off motorcycle with equity is the most significant requirement when underwriting your loan, and you should qualify as long as the title is lien free. You need a physical copy of the motorcycle’s title, which will be signed over to your lender before the loan is funded.
The motorcycle must be paid off and in good condition, and some companies will ask to inspect the bike in person before you sign a contract. You will likely need to verify your current income and employment status using bank statements or employer verification.
You also need proof that the motorcycle is registered in your state and has sufficient insurance coverage. Notice that we didn’t say anything about needing good credit to get a title loan on your motorcycle? That’s because your FICO score is not a primary factor in underwriting. As long as you own a bike and can prove your income, you should have no issues getting approved. Call Premier Title Loans at 800-250-6279 for a full rundown of what’s required to qualify in 2026.
Types of Motorbikes that Qualify As Collateral
Any motorcycle can qualify if it has equity and is titled in your name. It doesn’t matter if it’s an ATV, roadster, or scooter. Premier Title Loans works with anyone looking for cash on their cruiser, sports bike, scooter, or dirt bike. Are you looking for a title loan on a Harley-Davidson Sportster, Suzuki GSX, or Kawasaki ZX-14R? If those bikes have equity, you can use that collateral for a loan. We can even help you get approved if your motorcycle has a salvage title or if you want to refinance an existing loan.
Why Choose Premier Title Loans For An Online Motorcycle Title Loan
Are you looking to cash out some equity in your motorcycle with a title loan? Here at Premier Title Loans, we know exactly what you need to get approved with a local licensed company in your state. We work with dozens of lenders that offer title pawns on motorcycles, and it’s essential to be aware of the different requirements and restrictions in each state. Get started with an online application, or call us at 800-250-6279, and we’ll find the best direct lender in your neighborhood.
The application process is easier than ever in 2026. Complete our online form, and we’ll get you an estimate for your motorcycle in less than 10 minutes. We use your motorcycle’s resale value to determine your loan amount. Customers can be pre-approved for at least $1,000, provided their bike is paid off. After that, we may need to schedule a time to inspect your bike and verify the VIN. The last step is signing over the pink slip, and then you can pick up your cash or have it deposited directly into your account in as little as 1 business day. Apply now with Premier Title Loans.