Finance your motorcycle with our dedicated loan
Choose your project!
The Sodefina 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 Sodefina 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.
Still not sure?
Sodefina helps you find the credit that's truly right for you.
The motorcycle loan
A loan dedicated to your two-wheeler
- Between €1,000 and €30,000
- From 12 to 60 months
- Equipment included in the financing
- Ecological bonus automatically deducted
The personal loan
A loan suited to all your projects
- Between €3,000 and €75,000
- From 6 to 180 months
- Paid into your account, no proof of purchase required
- Fixed monthly payments throughout the term
Our benefits
Simplicity
Simulate and get your loan 100% online, from any device.
Speed
Instant preliminary decision and final answer within 24 business hours.
Security
Qualified electronic signature and protected data at every step.
Required documents
Frequently asked questions — Motorcycle loan
Yes. The Sodefina 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.