If you're thinking of buying a new motorcycle but you're on a tight budget, you're not alone. With up to 20,000 reais you can get an economical, modern motorcycle that won't give you a headache.
The key is knowing how to choose the right model. Today there is a huge variety of motorcycles in this range, from simple options to versions full of technology and up-to-date design. The question is: which one will fit into your pocket and support your routine?
In this complete guide, you'll discover the best motorcycles up to 20,000 reais that are standing out in 2025. I've prepared a detailed analysis of consumption, maintenance, comfort, safety and everything else that really matters before you close the deal. Let's find the ideal motorcycle to accompany you over the next few years, shall we?
Why Choose Motorcycles Up to 20,000 in 2025? 🏍️
Before looking at the models, it's worth understanding why this price range is so desirable. Firstly, 20,000 reais is an affordable amount for those looking for a new motorcycle - either paying cash or financing without compromising the budget too much.
Another point is that, at this price, you can find zero km motorcycles with factory warranties, good technology and very economical engines. In other words: no more betting on used bikes with dubious provenance.
What's more, they're ideal for those who are just starting to ride or who need economical transportation for everyday use. They are light, easy to maneuver and have simple and inexpensive maintenance.
And, of course: with gasoline as expensive as it is, getting a motorcycle that does more than 30 km per liter has practically become an obligation. The good news is that almost all motorcycles up to 20,000 stand out in terms of economy.
Motorcycles up to 20,000 that are on the rise in 2025 🚀
Now let's get down to business: the best value models of the year. I've listed four bikes that are really worth it in this range and explained why each one stands out.
Honda CG 160 Titan - The Classic That Never Goes Out of Style
The CG 160 Titan is a model that needs no introduction. It doesn't try to be the most stylish or technological, but it makes up for it with reliability. It's a bike that's been selling absurdly well in Brazil for decades - and it's still unbeatable.
With a 162 cc engine, 15.1 hp and consumption of around 35 km/l, it delivers what Brazilians want most: economy, strength on climbs and endurance. It's practically impossible to break this bike in normal use.
Another strong point is the ease of maintenance. There's a mechanic on every street corner who knows how to work on the Titan, and parts are some of the cheapest on the market. It's the kind of bike you buy to work, study and use every day without fear.
The design is simple but functional. If you're looking for practicality, durability and value for money, the CG Titan is like the “Corolla of motorcycles”: it doesn't thrill, but it never disappoints.
Yamaha FZ15 - The Economic Motorcycle That Impresses
If economy is your main goal, get ready: the Yamaha FZ15 is a truly economical machine, achieving 41 km/l. That's over 400 km on a full tank - a huge advantage for those who ride a lot.
The 150 cc engine delivers 12.4 hp. It's not a strong bike, but for urban traffic it does its job perfectly. It climbs viaducts, maneuvers quickly and handles well on a daily basis.
It also stands out for its modern look, complete digital dashboard and good ergonomics. The suspension is comfortable, the seat is soft and it doesn't tire as much as other bikes in its category.
The CBS increases safety and the lightness makes it much easier for beginners. For those who want to save money without giving up style, the FZ15 is one of the best choices of 2025.
Haojue NK 150 - The Cheap Trail That Surprises
Many people turn up their noses when they hear the name Haojue, but the NK 150 surprises anyone who gives it a chance.
With its adventurous look, it delivers a very interesting package: 150 cc engine, 12 hp, consumption of 35 km/l and a robustness that is hard to find in its category. Ideal for those who ride on dirt roads, potholes or uneven terrain.
The reinforced suspension is one of the great differentials, making the bike an excellent option for smaller towns and heavier routines.
In addition, the NK 150 comes with a digital dashboard, disc brakes on both wheels and an equipment package that usually only appears on more expensive bikes. Maintenance is easy, although the network isn't as extensive as Honda and Yamaha.
If you don't care about the brand, but like good performance and value for money, this bike deserves attention.
Dafra NH 190 - More Power Without Blowing the Budget
For those who want more power without leaving the 20,000 mark, the Dafra NH 190 is the best alternative. With a 183 cc engine and 18 hp, it delivers the highest power on the list.
This advantage is evident when climbing, overtaking and riding with a rider. The bike has more breath and responds more quickly, especially on the highway.
The design is modern, with an adventurous feel, a full dashboard and full LED headlights. For those who like a sporty look, this bike delivers much more than it costs.
Consumption is between 30 and 35 km/l, which is still excellent for a bike of this power. Dafra's service network has grown a lot, and parts are increasingly affordable.
For those looking for performance without paying too much, it's a strategic choice.
Which Motorcycle is Cheaper in the End? 💰
Let's simulate realistic use: someone who drives around 1,000 km a month.
Honda CG Titan (35 km/l)
28.5 liters/month → R$ 157 monthlyYamaha FZ15 (41 km/l)
24.4 liters/month → R$ 134 monthlyHaojue NK 150 (35 km/l)
28.5 liters/month → R$ 157 monthlyDafra NH 190 (32 km/l)
31.2 liters/month → R$ 172 monthly
It may not seem like much, but at the end of the year the FZ15 saves almost R$ 500 compared to the Dafra. That's money in the budget.
Maintenance: How Much Does Each Cost? 🔧
The CG Titan leads the way here. Cheap servicing (R$ 80 to R$ 120), huge network and simple mechanics.
The Yamaha FZ15 also has a good network and reviews between the R$ 100 and R$ 150.
Haojue NK 150 has affordable parts, but the network is still expanding.
The Dafra NH 190 follows the same path: reviews between R$ 120 and R$ 180, a growing network and good parts availability.
Comfort and Ergonomics: Which is Better for You? 🪑
- Honda CG Titan: neutral position, firm seat, good for medium distances.
- Yamaha FZ15: more comfortable for everyday use, soft suspension and a more ergonomic seat.
- Haojue NK 150: trail style, higher, ideal for those who take dirt roads.
- Dafra NH 190: sporty grip, firm seat and forward leaning position.
Security: What Each One Delivers 🛡️
All come with CBS, and all have versions with LED headlight.
The Titan and FZ15 have front discs only.
The NK 150 and NH 190 have discs on both wheels - a nice plus.
Best Motorcycle for Every Profile 🎯
- To work on a daily basis: Honda CG Titan
- To save as much as possible: Yamaha FZ15
- For bad roads: Haojue NK 150
- For those who want power: Dafra NH 190
- For beginners: CG Titan or FZ15
Financing: How to Buy Your Motorcycle 💳
Honda and Yamaha offer financing with excellent conditions. Many dealerships offer promotions with zero rates and easy down payments.
Haojue and Dafra can also be financed by banks such as Itaú, Santander, Pan and Bradesco.
Essential tip: the higher the down payment, the lower the interest.
40-50% inputs greatly reduce the final amount paid.
Don't forget: license plates, insurance and accessories need to be included in the budget.
Essential documentation 📋
To finance or buy outright, you will need:
- ID and CPF
- Up-to-date proof of residence
- Proof of income
- Statements (if requested by the bank)
Licensing varies between R$ 300 and R$ 500.
Accessories Worth the Investment 🎒
- Trunk or panniers
- Engine protector
- Reinforced gloves, helmet and jacket
- Heated cuff (for cold regions)
Care to Make Your Motorcycle Last Longer ⚙️
- Up-to-date maintenance
- Regular oil changes
- Chain always lubricated
- Tires calibrated weekly
- Avoid straining the cold engine
- Store under cover
Our Final Recommendation 🏆
- Best option for most: Yamaha FZ15
- More traditional: Honda CG Titan
- Options outside the obvious: Haojue NK 150 and Dafra NH 190
The best bike is the one that fits into your budget and suits your way of using it. Define your priorities and choose wisely.
Conclusion: Your ideal bike is waiting for you! 🏁
For up to 20,000 reais, you can find great motorcycles in 2025. All the options on this list have their strengths, and any one of them can be an excellent road companion. Think about how you're going to use it, how much you can spend and what you really value in a motorcycle - and the right choice will reveal itself.
Motorcycles are about economy, practicality and fun. And now you're ready to choose yours!
Frequently Asked Questions ❓
Which motorcycle up to 20,000 is the most economical?
The Yamaha FZ15, with consumption of up to 41 km/l.
Is it worth buying a Chinese motorcycle?
Yes, Haojue has come a long way and offers great value for money.
Do I need an A license to ride these bikes?
Yes, they all require category A.
How much does monthly maintenance cost?
Between R$ 50 and R$ 100 on average.
Can I travel with these bikes?
Yes! CG Titan and FZ15 offer more comfort over long distances.
