Get Two Wheeler Loans With Upto 35% Less EMIs
Get Bike Loan Approval in 3 mins
Book a FREE doorstep meeting
Instant soft approval in 10 mins
(7223+ ratings)
Gowri
"OTO's EMIs are budget friendly, I saved INR 7967 with super EMIs"
Gowri, Bangalore
Gautam
"Minimum documentation and approved within 30 minutes with OTO"
Gautam, Delhi
Suresh
"I reduced my EMI by Rs.1213 with OTO Flexi Loan"
Suresh, Hyderabad
Shreya
"OTO से सस्ती ईएमआई के साथ त्वरित और विश्वसनीय सेवा प्राप्त हुई"
Shreya, Jaipur
Doorstep-First time ever in India
Sit back & relax, get your loan disbursed at your home!
Watch video

How OTO Doorstep works?

1
agent-icon
Our dedicated agent will visit your home.
arrow-icon
2
agent-icon
Get the best prices from multiple nearby showrooms.
arrow-icon
3
agent-icon
Complete KYC with our agent, claim the best loan offers.
arrow-icon
4
agent-icon
Get the vehicle at your convenience.
arrow-icon

EMI Comparison


bike icon
bike-icon
Two Wheeler
Suzuki Access 125 SPL Disc BS6
calendar-icon
Flexi Plan Type
calendar-icon
Downpayment
20%
OTO Super EMIs
₹2,619
Other EMIs
₹3,425
bike icon
bike-icon
Two Wheeler
Ola Electric S1 X 2kwh
calendar-icon
Flexi Plan Type
1+1 Year
calendar-icon
Downpayment
25%
OTO Super EMIs
₹3,515
Other EMIs
₹6,383
bike icon
bike-icon
Two Wheeler
Ather 450X 2.9 kWh
calendar-icon
Flexi Plan Type
calendar-icon
Downpayment
15%
OTO Super EMIs
₹3,699
Other EMIs
₹4,838
bike icon
bike-icon
Two Wheeler
Honda Activa 125 Drum Std
calendar-icon
Flexi Plan Type
2+1 Year
calendar-icon
Downpayment
20%
OTO Super EMIs
₹2,937
Other EMIs
₹4,128
bike icon
bike-icon
Two Wheeler
Hero Splendor Plus XTEC
calendar-icon
Flexi Plan Type
2+1 Year
calendar-icon
Downpayment
15%
OTO Super EMIs
₹3,080
Other EMIs
₹4,330
One-Stop Marketplace
150+ Petrol & Electric Vehicles Available
Flexible Loan Tenure
Choose from 12 months to 48 months


OTO Success Story


loan-disbursed
dealer-partnership
cities


Frequently Asked Questions


OTO is India's leading platform to discover, research and buy bike online. OTO facilitates two wheeler loans at upto 35% lower EMIs than banks. You can check bike loan eligibility within 5 minutes and get online bike loan approval within 30 minutes on OTO. OTO Capital also provides other industry first and only features like test ride at customer location and home delivery of two-wheelers. Apart from bike finance, OTO also helps its customers make outright purchase of two-wheelers online at best offers and lowest on road price. OTO also has a dedicated Electric Two Wheelers platform for those looking to buy Electric scooters and bikes.

All major bikes and scooters available in India are available on OTO. Honda, Hero, Bajaj, Suzuki, TVS, Royal Enfield , KTM , Ola Electric, Yamaha, Ather, TVS Electric, Matter are some of the prominent brands available among others.

Buying a two-wheeler is simple from OTO and can be done in 4 easy steps. Choose your preferred two-wheeler, and opt for a loan or outright purchase. Provide your information & the required documents. Pay a token amount (fully refundable) to block your vehicle. Our agent will assist you till delivery. Take the delivery of your dream two-wheeler

At OTO, we have a hassle-free loan application process to help you purchase two-wheeler of your choice. Fill out the online bike loan application form.Provide the necessary documents. Get your two-wheeler loan approved in just 30 mins*. *T&C Apply Pay a token amount to book the two-wheeler.Get delivery of your dream two-wheeler.

Here’s how you can make a cash purchase for your dream two-wheeler.Choose your dream two-wheeler.Select your preferred showroom.Pay a token amount to book your two-wheeler.Go to the showroom & collect your dream two-wheeler.

OTO has 10+ lending partners.Northern Arc, Western Capital, Trillion Loans, Grow Money, Suryoday Small Finance Bank, Ujjivan Small Finance Bank, Muffin Green Finance, UCO Bank, Indian Bank & IDFC First Bank are a few of them.

OTO provides its services in 22+ cities across India. We provide our services in Delhi, Mumbai, Bangalore, Hyderabad, Kolkata, Pune, Chennai, Indore, Ahmedabad, Jaipur, Noida, Ghaziabad, Gurugram, Nagpur, Faridabad, Bhopal, Surat, Lucknow, Kanpur, Guwahati, Bhubaneswar, and Vadodara.

Yes, OTO provides loans for electric two-wheeler vehicles.

Two-wheeler loan interest rate starts at 8.99% on OTO and depends on the credit profile of the customer and other business rules. You can apply for bike loan online on OTO's website or app and fill out a small form to check the rate of interest you are eligible for. The process only takes 2 minutes and also helps you discover best emi offers.

The downpayment required depends on the brand, model, and variant of the two-wheeler and the tenure chosen. It typically starts at 10% of the On-Road-Price of the bike or scooter.



Financial Partners


partners