Finance your motorcycle with our dedicated loan
The Fidexico motorcycle loan is an earmarked credit dedicated to financing all types of motorised two- and three-wheeled vehicles: motorcycles, scooters, quads, sidecars, trikes and microcars. Like the auto loan, it is legally linked to the purchase of the vehicle and offers protection under article L.312-55 of applicable Portuguese law: if the sale is cancelled, the credit is automatically cancelled too. It finances both new vehicles from dealers and used vehicles from private individuals.
The financing covers the vehicle price itself but can also include mandatory equipment (approved helmet, gloves, jacket, armour) up to a reasonable amount, provided the equipment is listed on the order form or quote. You can also finance the first year's motorcycle insurance if it is included in the dealer's quote. Funds are paid directly to the seller.
For electric motorcycles, the Fidexico motorcycle loan integrates the possibility of deducting the ecological bonus from the purchase price before calculating the borrowed amount. This bonus can reach 40% of the purchase price (up to €3,000) for electric mopeds and motorcycles, according to current government rates. Our simulator automatically calculates the net amount to finance after deducting grants.
Financial features
| Financeable amount | From €1,500 to €25,000 |
| Repayment period | From 12 months to 72 months (6 years) |
| Rate type | Fixed rate — constant monthly payments |
| Indicative APR | From 3.5 % (depending on profile) |
| Processing fees | Variable based on amount and term — conditions communicated before subscription |
| Nature of credit | Earmarked credit — protection L.312-55 applicable Portuguese law |
| Electric motorcycle | Ecological bonus deductible — integrated simulator |
| Equipment | Financing possible if included in the quote |
Required documents
How to get your motorcycle loan?
Simulate online
Enter your motorcycle amount (deduct bonus if electric) and the desired term.
Submit your application
Complete the form and send your supporting documents + your dealer's quote.
Response within 24h
Your application is reviewed. Reply by email within 24 working hours.
Sign online
Secure electronic signature of your earmarked credit contract, 100% online.
Your motorcycle awaits
Funds paid to the seller after the 14-day withdrawal period. Pick up your vehicle.
Frequently asked questions — Motorcycle loan
Yes. The Fidexico motorcycle loan finances both purchases from dealers or motorcycle shops and transactions between private individuals. For a private purchase, you will need to provide a document confirming the transaction (listing, sale agreement) and a copy of the seller's registration document. Funds will be paid directly into the seller's bank account. Check that the vehicle has no existing pledge or credit registration with a financial institution.
Our simulator integrates the ecological bonus deduction for electric motorcycles and scooters. When simulating, indicate that your vehicle is electric and the applicable bonus amount will be deducted from the purchase price before calculating the credit. The bonus is usually paid directly to your dealer who applies it to the invoice, or to you if buying from a private individual. Eligibility depends on the purchase price, vehicle category and your tax situation.
Yes, provided the equipment (helmet, gloves, jacket, armour) is listed on the order form or dealer invoice and purchased at the same time as the vehicle. The total financeable amount remains capped at €25,000. If you buy equipment separately, you can supplement with a personal loan to cover the additional cost. Note that protective equipment is mandatory to ride a motorised two-wheeler legally.
Legal warning: Credit is a commitment and must be repaid. Check your repayment capacity before taking out a loan.
Representative example: For a motorcycle loan of €8,000 repayable in 48 monthly instalments of €186.56, Fixed APR of 4.5%, total amount due €8,954.88. Processing fees may apply based on amount and term. Fidexico S.A., NIPC 503533726, ASF (Portugal).