Kawasaki Refinancing (August 2025)

Unlock savings on your Kawasaki auto loan

By refinancing your Kawasaki with Way.com, you could:

• Lower the APRs on your Kawasaki loan
• Lower your monthly Kawasaki motorcycle loan payments
• Add or remove a co-signer/co-borrower to your loan
• Refinance and buy out a Kawasaki lease
• Change your Kawasaki loan terms and conditions
• Defer a payment or take payment vacations

What is Kawasaki refinancing?

A range of hypersport, supersport, sport, adventure, touring, dual-purpose, and cruiser motorcycles are available in the Kawasaki current line-up! These models come with a price, which often falls under the pricey side.

If you’re stuck with a high-APR Kawasaki motorcycle loan, refinancing offers you a way out.

• Kawasaki refinancing allows you to replace your current expensive loan with a new one – typically with better terms.
• The new lender will pay off your current loan balance, relieving you of the old loan while signing you on for a lower APR and a lower monthly payment.
• If you do it with the right lender, you could save as much as $1850 annually!

Why should I refinance my Kawasaki?

The high cost of financing a motorcycle from a brand like Kawasaki may be a constant reminder of the high interest rate agreement you agreed on. You may have been persuaded by the bank or dealership that this is the best deal you could get given your credit score.

But if you know where to look, you can find much better deals than that! When you refinance, you can fix any mistakes you made the first time around. Some of the advantages include:

• Lowering your Kawasaki interest rate: A high APR is what causes most of the damage in the long run. Reducing it by just 1% can save you hundreds every year.
• Lowering your Kawasaki monthly payment: Refinancing can help you save $80-150 every month, which can go into repaying student debt, mortgage, and more.
• Adding or removing a co-borrower/co-signer: Paying off a loan can be hard on your own. Adding a co-borrower or signer can help speed up the process.
• Adding more benefits to your loan: Insure your Kawasaki against any damages with GAP insurance, Extended Warranty, and more.
• Getting cash-out refinancing: Take a loan with a portion in cash and pay for immediate expenses.
• Buying out your Kawasaki lease at the end of the term.

How much can you save when refinancing your Kawasaki with Way.com?

Even the most well-planned vehicle purchases can go haywire – especially given the rising prices in the economy these days. Well, here is the proof - the average auto monthly payment in the US has crossed $600!

If you refinance with the right lender and a great credit score, you can save up to $1850 every year on your auto loan by reducing your APR by 1-2% on a minimum. You can also use cashback auto refinancing to borrow funds for immediate needs.

When should you refinance your Kawasaki?

Don't rush to refinance as soon as you find out you’re overpaying. You need to find the right lender, have a good credit score, and meet a few essential criteria before you can get a good deal.

Consider Kawasaki refinancing only when:

• At least 6-12 months have passed since you took the original loan
• Your credit score has increased to more than it was when you took the original loan
• You've built up a consistent payment history and cleared all pending dues
• You expect to have a financial crunch soon and want to save money on your auto loan
• You’re looking to add a co-signer or co-borrower

What Kawasaki models can I refinance?

Kawasaki has got around 36 models in the market which can be refinanced. The following are some of them:

• Kawasaki Ninja ZX-10R
• Kawasaki W800
• Kawasaki Z650RS
• Kawasaki Ninja H2
• Kawasaki Ninja H2 Carbon
• Kawasaki KLX 230
• Kawasaki KLX 230 SE
• Kawasaki Vulcan 1700
• Kawasaki Concours 14 ABS
• Kawasaki Versys 1000 SE LT+

What documents are required for Kawasaki refinancing?

Having all the required documents ready will help you breeze through the refinancing process. Keep the following ready:

Current Loan Information

• Your credit score: Your best bet for low interest rates is a credit score in the 700s.
• 14-day payoff amount: This is the outstanding loan balance plus interest to be paid over the next two weeks.
• Loan-to-value ratio: The LTV will tell you if you are “upside down” on the loan. If you are, then refinancing your car will be harder.
• Loan term remaining: You should wait until at least six months have passed on your current loan, and have at least a year left to repay the existing loan.
• Prepayment penalty: Make sure that your existing loan provider does not have a clause penalizing you for paying off the loan early.

Also keep your personal details ready, like:

• Vehicle information: VIN, title, registration, number, and mileage
• Income information: Salary slips, pay stubs, and tax returns
• Personal information: Driver’s license and Social Security Number

Will my Kawasaki be eligible for refinancing?

While different lenders have different eligibility requirements, your Kawasaki will typically pre-qualify for refinancing if:

• It is less than 10 years old
• It has a mileage of less than 100,000
• You have a valid driving license
• You have a valid registration
• You have a consistent payment history on your current loan
• You have a verifiable income source
• You have full coverage insurance

How to refinance my Kawasaki with Way.com

Step 1: Find your estimated savings

Use an online auto refinance calculator to input your desired APR and determine how much you can save every month.

Step 2: Pre-qualify and shortlist lenders

Shop around with multiple lenders to find the best offers. Pre-qualification can help you shortlist the best offers and rates.

Step 3: Choose an offer and start saving

Complete the formalities by sending in the required documents. There will be a hard credit inquiry – so be prepared for a drop in your score by a few points.

Can you refinance a Kawasaki with bad credit?

If you’re someone with previous bankruptcies, repossessions, late payments, or defaults, you will still be able to refinance a vehicle with bad credit. However, you may have to some compromises like:

• A larger down payment at the time of refinancing
• Get a co-borrower or co-signer to qualify for a loan
• Search for lenders specializing in bad credit loans
• Settle for a higher APR or longer loan term (which could affect your savings in the long run)

You can find lenders who specialize in bad loans using refinance platforms like Way.com.

Why our Kawasaki Refinance Program is great for you

At Way.com, we know that buying a Kawasaki is only the start of an expensive ownership journey. That’s why we’re simplifying vehicle ownership in America - starting with your car payments!

Our AI-enabled fintech platform can help you:

• Get connected to the best refinance lenders
• Compare offers and rates from multiple lenders
• Refinance lease buyouts
• Include additional benefits like insurance, extended warranty, etc
• Refinance with a bad credit score

... and much more!

What is Way.com?

Way.com is the #1 auto super app and car services marketplace in the country making car ownership affordable for millions of Americans. Whether you own a sedan, sports car, hatchback, motorcycle, or RV, the Way.com auto super app can help you save more than $1000/year through our following services:

• Auto insurance and refinance
• Airport parking and city parking
• Car wash services
• Roadside assistance and Cashback on gas

Way.com has a 4.5 rating on Trustpilot, with more than 3 million satisfied customers. The Way app also has a 4.7 rating on Google Play and 4.9 on the iOS app store.