Two Wheeler Loan – 8.5% Interest, 100% Finance | Fixrupee
India's Fastest Two-Wheeler Finance

Own Your Dream Bike with Two Wheeler Loan

Get up to 100% on-road price financing with interest rates starting from just 8.5% p.a. Ride home today — minimal documents, instant approval.

Affordable Loan Interest Options Enjoy Up to 100% Loan Amount Easy Documentation with Fast Processing
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FixRupee Medical Loan Features

Fixrupee Limited makes owning a bike or two-wheeler simple, fast, and stress-free with easy financing solutions designed for every customer. Whether you live in a rural area or a busy city, our two-wheeler loans help you purchase your dream ride without financial pressure. We offer attractive interest rates, flexible EMI options, and a smooth loan process to make borrowing more convenient for you. We understand that a two-wheeler is more than just a vehicle — it brings everyday comfort, saves travel time, and improves productivity in modern life. With Fixrupee's reliable funding solutions, you can enjoy the freedom of owning your preferred bike or scooter with complete peace of mind and minimal hassle.

Why Choose Us

Everything You Need in a Two Wheeler Loan

Designed for salaried employees, self-employed professionals, and pensioners across rural & urban India.

Best Rate
Attractive Interest Rates
Two wheeler loan interest rates starting from 8.5% p.a. Rate determined by credit profile, tenure & loan amount. No hidden markup.
Zero Wait
Instant Online Approval
Apply online or at any partner dealer. Get loan approval in minutes with digital KYC. Ride your bike home the same day you apply.
Super Easy
Minimal Documentation
Just 2 documents — PAN Card + 1 address proof. No income proof required for standard applications. 100% paperless process.
All Bikes
Finance Any Two Wheeler
New bikes, used bikes, scooters, electric vehicles (EVs) — we finance them all. All brands, all models. ICE & EV both covered.
Flexible
Repayment Up to 60 Months
Choose a tenure from 12 to 60 months to keep your EMI comfortable. Longer tenure = lower EMI. You're in control of repayment.
Rural + Urban
Available Pan India
Wide dealer & branch network across 2000+ cities including Tier 2 & Tier 3 towns. Rural and semi-urban customers equally welcome.
Eligibility

Two Wheeler Loan Eligibility

Our easy and flexible two wheeler loan eligibility criteria are designed to help more people own their dream bike without complications. At Fixrupee, we make the loan process simple and accessible for everyone. Apply now to check your eligibility and take the first step towards owning your preferred two wheeler.

Age Requirement
Applicants should be between 18 and 59 years old.
Monthly Income
A stable minimum monthly income is required as per company policy.
Employment Type
Loan applications are accepted from both salaried professionals and self-employed individuals.
Credit Profile
A credit score of 650 or above is generally preferred, while selected exceptions may also be considered.
How to Apply

How to Apply for a Two Wheeler Loan

Get your bike loan approved in 4 simple steps — online or at a dealer near you.

1
Apply Online
Fill out a quick form online or visit any partner two-wheeler showroom near you.
2
Submit Documents
Upload PAN and Address Proof digitally. Our team verifies within minutes.
3
Instant Approval
Get loan approval in real-time. Our credit engine evaluates your profile instantly.
4
Ride Home Today
Loan disbursed directly to dealership. Sign the agreement and ride your new bike home!
8.5%
Starting Interest Rate
100%
On-Road Financing
2000+
Cities Covered
60 Mo
Max Loan Tenure
Why We Stand Out

Two Wheeler Loan Comparison

See how we stack up against typical NBFC two wheeler loan offerings in India.

Feature Fixrupee ⭐ Typical NBFC A Typical NBFC B
Interest Rate From 8.5% p.a. From 8.5% p.a. From 8.5% p.a.
Maximum Financing Up to 100% Up to 100% Up to 95%
Loan Tenure 12 – 60 months 12 – 60 months 12 – 60 months
Documents Required ✓ Just 2 docs 2–3 docs 2–3 docs
Electric Vehicle (EV) Loan ✓ Yes – ICE & EV ✓ Yes Limited brands
Used / Pre-owned Bike Loan ✓ Available ✗ Not available ✓ Available
Online Application ✓ Fully online ✓ Yes ✓ Yes
Part Payment ✓ Allowed ✗ Not allowed Subject to charges
Foreclosure ✓ After lock-in 5% charge Applicable charges
Rural & Semi-Urban ✓ Pan India Urban focus ✓ Available
Vehicle Insurance ✓ Offered ✗ Not offered ✗ Not offered
*Comparison based on publicly available information. Subject to change. Verify current rates at time of application.
Features & Benefits

Features & Benefits of Fixrupee Two Wheeler Loan

Whether you are planning to buy a brand-new bike or a pre-owned two wheeler, Fixrupee offers financing solutions designed to match your needs and budget with complete ease.

Finance Available for Both New & Used Two Wheelers
Simple Eligibility Criteria with Flexible Loan Terms
Attractive & Affordable Interest Rates
Transparent Charges with No Hidden Costs
Dedicated Customer Support at Every Step
Smooth & Easy Online Loan Application Process
Quick Approval and Faster Loan Processing

With Fixrupee, owning your dream two wheeler becomes easier, faster, and more convenient than ever.

Ready to Ride Your Dream Bike?

Apply in minutes. Get approved instantly. Ride home the same day — with up to 100% on-road funding and India's lowest rates starting from 8.5% p.a.

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Customer Stories

What Our Customers Say

The whole process was surprisingly smooth. I walked into the showroom, submitted my documents, and had my loan approved before I even finished my tea. EMI fits perfectly within my budget.

SK
Suresh K.
Bengaluru, Karnataka

As a small shop owner I wasn't sure I'd qualify, but the eligibility was simple and the team guided me at every step. Got 100% financing and drove my new scooter home the same day.

MR
Meena R.
Coimbatore, Tamil Nadu

Took an EV loan and the interest rate was much better than I expected. The 48-month tenure kept my monthly outgo very manageable. Would definitely recommend to friends and family.

VN
Vijay N.
Hyderabad, Telangana
Frequently Asked Questions

Frequently Asked Questions

Everything you need to know about our two wheeler loan — from interest rates to foreclosure.

Our two wheeler loan interest rates start from 8.5% per annum. The final rate depends on your credit score, income level, loan tenure, and the type of vehicle. First-time borrowers and customers with a CIBIL score above 750 typically get the most competitive rates. Use our EMI calculator above to estimate your monthly payment.
Yes! We offer up to 100% on-road price financing for eligible borrowers, which effectively means zero down payment. Some profiles or high-value bikes may require a 5–10% down payment. Apply now and our system will instantly show you how much you qualify for.
You only need 2 documents:
  1. PAN Card (or Form 60)
  2. Address Proof — Aadhaar, Voter ID, Passport, or Driving Licence
No income proof required for most salaried applicants. The entire process is digital and paperless.
Loan tenure ranges from 12 months to 60 months. A longer tenure reduces your monthly EMI. For example, on a ₹80,000 loan at 10% interest, a 24-month tenure gives ~₹3,676 EMI while a 48-month tenure gives ~₹2,031 EMI. Use our calculator to find your ideal balance.
Yes! We finance both Internal Combustion Engine (ICE) and Electric Two Wheelers (EVs) — including popular brands like Ola Electric, Ather, TVS iQube, Hero Vida, and more. EV loan applicants may be eligible for preferential interest rates under green mobility schemes.
Absolutely. We welcome applications from salaried employees, self-employed individuals, and pensioners. Self-employed applicants need to demonstrate at least 1 year of business vintage and have a valid bank account. No income proof required for most standard profiles.
Most loan applications receive instant in-principle approval. Once documents are verified (usually within minutes), the loan amount is disbursed directly to the dealership. In most cases, you can ride home the same day you apply.
Yes. You can foreclose your two wheeler loan after the minimum lock-in period by paying 5% of the outstanding principal as a foreclosure charge. Partial prepayments may also be accepted — contact our support team to explore this option for your loan account.
Yes! We offer pre-owned / used two wheeler loans as well. Financing terms for used bikes may differ slightly from new vehicles. The loan amount will be based on the assessed market value of the vehicle at the time of application.
Missing an EMI will attract late payment charges and may negatively impact your CIBIL credit score. We recommend setting up auto-debit (NACH mandate) from your bank account to avoid missed payments. If you foresee difficulty paying an EMI, contact us early — we may offer restructuring options.