0.00%
Lowest program APR
The financing comes from the same place as the machine.
One factory-backed lender for every Kawasaki on the floor.
1,150+
Kawasaki dealers
36–84
Month terms
Why a captive lender
A bank finances a purchase.
A captive invests in its customers.
Third-party lenders price your loan off a generic powersports risk model.
We price it off ours — because we know what the unit is worth, what it costs to service,
and what it resells for.
Factory-direct rates
Promotional APRs are funded by Kawasaki and tied to model-year programs — not bought from an outside bank and marked up. When a program drops, the rate drops with it, the same day, at every dealer.
One relationship, end to end
Unit, accessories, gear, freight, tax, title and license — financed on one contract, serviced by one team, paid on one statement. One phone number for all of it.
Current programs
Model-year offers, straight from the factory.
Programs run through September 30, 2026 on select new units at participating dealers. Placeholder figures shown for design review.
| Program | Eligible units | APR | Term | Ends |
|---|---|---|---|---|
| Showcase PromoTier 1 credit required | All Jet Ski® models | 0.00% | 60 mo | 09/30/26 |
| Full-Line ProgramTier 1 credit required | All 2026 NAV™, RIDGE™ and Jet Ski® models | 2.95% | 36 mo | 09/30/26 |
| Select Model ProgramTier 1 credit required | Select 2026 Teryx® and MULE™ models | 2.95% | 36 mo | 09/30/26 |
Rates shown are the lowest available and require approved Tier 1 credit. See disclosures below.1 2
What is eligible for financing
If it goes on the deal, it goes in the finance contract.
One contract that covers the machine
and the hardware bolted to it.
- New Kawasaki units
- Genuine parts & accessories
- Winches, plows & cab kits
- Trailers & covers
- Freight & dealer setup
- Tax, title & license
Find a Kawasaki dealer near you.
Questions
The ones people actually ask.
What makes a captive lender different from financing through a bank?
A captive lender is owned by the manufacturer. Kawasaki Financial Services funds its own promotional APRs out of Kawasaki's model-year programs rather than buying paper from an outside bank and marking it up, which is why a program rate is identical at every participating dealer on the day it launches.
It also changes the underwriting. An outside lender prices your loan off a generic powersports risk model; KFS prices it off Kawasaki's own data on what the unit costs to service and what it resells for.
What can I finance?
New Kawasaki units, plus genuine parts, accessories, riding gear, winches, plows and cab kits, trailers and covers, freight and dealer setup, and tax, title and license — all on one contract with one payment.
What do I need to apply?
Your name, current address, date of birth, Social Security number, gross annual income and housing cost. Bring a valid driver's license to the dealer and, if requested, proof of income and proof of insurance.
What credit do I need to qualify?
Applications across the credit spectrum are considered. The promotional APRs listed above require approved Tier 1 credit; other tiers receive standard-rate offers priced to their profile. Your dealer can submit an application and give you an answer in seconds.
When do I get my title after I pay off the finance contract?
KFS files to release its lien within 10 business days of the final payment clearing. Timing of your receipt depends on your state. The title may be mailed to you directly or the lien release may be filed electronically with your DMV, which then issues a clear title.
Where do I make payments?
Payments are made in your KFS account online, by phone, by mail, or on autopay from any US bank account.