Get an Instant Personal Loan for a Two-wheeler with Navi

Enjoy attractive interest rates starting at 9.9% p.a. with flexible EMI options

What is a Two Wheeler Loan?

Imagine being stuck in traffic for hours daily. Wouldn’t it save your time and energy if you just bought a two-wheeler? Two-wheelers are a fast and affordable option for daily commuters. But if you are short on cash, a two-wheeler or a bike loan can help you finance your purchase. Alternatively, you can take a personal loan with Navi to buy the vehicle of your choice.

With the Navi app, getting a personal loan for a bike is super easy. Enjoy a seamless loan application and disbursal process, and repay at your convenience. Download the Navi app and get started!

Features and Benefits of a Medical Loan

Features and Benefits of Two Wheeler Loan

Apply through the Navi app and get your loan approved and disbursed to your account in just a few minutes
You can get a two-wheeler loan of up to ₹20 lakh to buy a bike of your choice
Enjoy competitive interest rates starting from 9.9% p.a.
No paperwork or physical interaction is required. Just download the Navi app and apply
Enjoy repayment tenure of up to 72 months. Repay at your convenience
You don’t have to pledge collateral or guarantor to get the loan

How to Apply for a Two Wheeler Loan with Navi?

Download the Navi App from Play Store or App Store
Enter a few basic details like name, address, PAN, etc., to check your eligibility
Enter the loan amount and tenure
Our representative will call you. Complete your V-KYC with PAN
Enter bank details and set-up auto pay. Get instant money in your bank account

How to Apply for a Medical Loan with Navi?

How To Apply

Eligibility Criteria and Documents Required

Indian Resident 18-65 years of age

PAN Card Holder

Salaried or Self-Employed

Aadhaar Card Holder

Two Wheeler Loan Interest Rates in India

Navi offers personal loans for bikes at attractive interest rates starting from 9.9% p.a. However, the final interest rate offered depends on your eligibility.
Interest Rate9.90% p.a. onwards
Processing FeeUp to ₹7,500
Loan AmountUp to ₹20 lakh
Loan Prepayment FeeNil
Loan TenureFrom 3 to 72 months

How to Calculate EMI on Personal Loan for Two Wheeler?

Calculate your personal loan for two-wheeler EMI beforehand to better plan and manage your finances. The mathematical formula to calculate EMI is

EMI = P × r × (1 + r)n/((1 + r)n – 1) where P= Loan amount, r= interest rate, n=tenure in number of months.

However, calculating EMI manually can be tedious and time-consuming. As an alternative, you can use our personal loan EMI calculator to instantly check your monthly repayment obligations. All you need to do is select the loan amount, tenure and interest rate, and you shall be able to view the EMI amount.

Personal Loan Calculator

Loan Amount

Rate of Interest (P.a)


Loan Tenure (Months)


Monthly EMI


Total Interest

Total Amount

Why Choose a Navi Personal Loan for Your Two Wheeler?

No paperwork

100% app-based paperless process. You can apply for a loan from anywhere, anytime.

No hidden charges

Extremely transparent process with no additional or hidden charges. In case you have any doubt, feel free to write to us or check our rate card.

Instant disbursal

If you need instant cash to cross any financial hurdle, choose Navi. It hardly takes a few minutes to apply and get the loan disbursed to your account if you are eligible.

Trusted by Millions of Users

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Frequently asked questions

A two-wheeler or bike loan helps finance the purchase of a two-wheeler or bike of your choice. Navi personal loan also allows you to purchase a two-wheeler with the borrowed amount.
You can get personal loans up to ₹20 lakh with Navi. However, the final amount to be sanctioned will be based on your eligibility.
Credit score defines your creditworthiness. A good credit score can help you fetch better deals and repayment terms on your personal loan. In case you want to improve your CIBIL score, read our blog for a detailed guide
You can repay your loan in EMIs. You can link your bank account and set up auto-debit via the Navi app. Post set up, your EMI will automatically get deducted from your bank account on the EMI due/payment date.
Multiple missed payments can lead to loan default. This can have a detrimental effect on your credit score and creditworthiness. Also, a penalty fee can be levied in case you fail to pay the EMI.


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