India's No 1 platform forBike & Scooter Loans

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.