Dreaming of a motorcycle, think of credit: iscover how to finance your two-wheeler easily and transparently with Milenia. No down payment, no hidden fees, no stress.
Credit or leasing for your motorcycle? We help you see clearly.
Buying a motorcycle is a passion project. But when it comes to financing it, should you opt for leasing or credit? Leasing may seem attractive with its appealing rates on paper... But the reality is often very different.
At Milenia, we believe in the freedom to ride and choose. And this is precisely what a motorcycle loan offers you, especially compared to leasing that is often restrictive and expensive in the long term.
Motorcycle leasing: a misleading option ?
Motorcycle leasing offers are sometimes attractive: 0% rates, reduced monthly payments... But behind these promises, there are often real underestimated costs:
- Double monthly payment from the start: in the first month, you pay an extra instalment on top of the regular first payment.
- No ownership: you never really own your motorcycle. Result? It is impossible to resell it freely.
- High residual value: To reduce the monthly payments, the final amount to be paid is often significant. Conversely, a low residual value increases your monthly payments.
- Non-tax deductible: Unlike a loan, a lease does not allow you to deduct anything from your taxable income.
- Additional costs: compulsory full-casco insurance, end-of-contract fees, mileage limits, mandatory garage, etc. so many constraints added to the total cost.
In short, leasing imposes many constraints that limit your freedom and increase the bill.
Motorcycle credit: your newfound freedom
By contrast, a motorcycle loan gives you full ownership — and full control over your decisions.
- You are the owner: you buy your motorcycle, new or used, and dispose of it as you wish.
- Free choice of garage, mileage, insurance: no restrictions, no hidden costs.
- Tax-efficient: the interest on your loan is tax deductible.
- No down payment and no residual value: no unexpected final costs and no large lump-sum payment required.
- Early repayment possible: you retain control over the duration of your commitment.
What about interest rates?
It is true that leasing offers may seem attractive, especially for new motorcycles, with sometimes very low rates. But we should not be seduced by this figure alone. Once you add up the ancillary costs – compulsory insurance, residual value to be paid, contractual limitations – the overall cost becomes much higher than it seems.
Conversely, a motorcycle loan offers more transparency by keeping a simple structure, with no hidden costs or restrictive conditions. And let's not forget a major advantage: the interest on a loan is tax deductible, which further improves its profitability.
Possibility to choose your type of motorcycle?
Whether you are passionate about agile roadsters, adventure trails, urban scooters or sharp sports bikes, the motorcycle loan adapts to all types of motorcycles, whether new or used.
You are not just financing a machine: you are financing your freedom. No mileage constraints, no residual value to pay at the end of the contract, no technical limitations. You become the full owner of your two-wheeler, free to use, modify or resell it at any time.
Milenia accompanies you in your motorcycle project
We know that a motorcycle project is much more than just a purchase: it is a desire for freedom, pleasure and independence. This is why our credit offer has been designed to be clear, flexible and accessible to all, without compromise.
It all starts with a free online simulation, simple and fast. Then, one of our advisors will contact you to refine your request and offer you a tailor-made offer. Our strength? Solid banking partnerships, which allow us to guarantee you the best rates and the most advantageous conditions on the market.
No application fees, no deposits, no surprises: everything is transparent. The process is completely digital, and if the offer suits you, the funds are released quickly within the statutory timeframe.
You are free to choose your motorcycle, your garage, your insurance and even to resell your vehicle whenever you want. In short, you remain in control of your choices.
In short
Choosing a motorcycle loan with Milenia means opting for flexible, fast and transparent financing.
No down payment, no hidden fees, advantageous taxation and the freedom to enjoy your motorcycle to the fullest, without compromise. Run your simulation now and ride with complete peace of mind.