You have found the bike. Now let's get the motorbike loan.
Whether it is your first road bike, a weekend cruiser, a commuter to beat the traffic, or a serious upgrade you have been eyeing off for months, a motorbike loan lets you get on two wheels sooner without draining your savings. Borrow from $2,000 to $75,000 depending on the lender and your situation, and spread the cost over one to seven years with repayments that suit your pay cycle. You pick the bike. We match you with lenders offering motorbike loans that actually work for how you ride and how you earn.
Secured or unsecured - pick the option that works for you.
A secured motorbike loan uses the bike itself as security for the loan, which means lenders can offer lower interest rates because their risk is reduced. If you are buying a newer bike or borrowing a decent amount, secured usually makes sense because the savings on interest add up fast over a five year term. An unsecured motorcycle loan does not require the bike as security, which means no risk of repossession, but the trade-off is a higher interest rate. We work with lenders offering both options and help you figure out which one suits your budget and situation.
New bikes, used bikes, private sales and dealer purchases.
You are not limited to buying off a showroom floor. Our lender panel can finance new and used motorbikes, whether you are buying from a dealer or picking up a privately advertised bike. Used bikes are where plenty of smart riders find great value, especially models only a year or two old with low kilometres that someone barely rode. For private sales, it is worth running a PPSR check before you commit to make sure the bike is not encumbered by an existing loan or has been reported stolen. Lenders may apply different rates or terms depending on the age and value of the bike, but there are options for most situations.
Motorbike loan repayments built around your budget
Choose to repay your motorbike loan weekly, fortnightly or monthly, whatever lines up with when you get paid. Fixed rate loans give you the certainty of knowing exactly what you will pay each month for the life of the loan. Variable rate loans can offer a bit more flexibility, including the ability to make extra repayments and redraw if you get ahead. Either way, the lenders we work with do not charge penalties for paying extra or clearing the loan early. That means if you come into some cash or just want to get ahead, you can do it without getting stung.
Gear, accessories and on-road costs can be included too.
A decent helmet, jacket, boots, gloves and pants can easily add another $1,000 to $2,000 on top of the bike itself, and that is before registration, stamp duty and insurance. Some lenders on our panel let you roll protective gear and on-road costs into the loan so you are not scrambling to cover it all separately. It means you can budget for the total cost of getting on the road, not just the sticker price. Ask about this when you apply because it is not always advertised but is often available.
We do not charge you a cent. Seriously.
There are no application fees, no service fees and no hidden charges from us. Our lenders pay us, not you. We are also members of the Australian Financial Complaints Authority, so if anything ever goes sideways, you have access to free, independent dispute resolution. All lenders on our panel follow responsible lending rules under the NCCP Act, so any loan offered has been assessed for suitability based on your circumstances. Apply online in minutes and we will handle the matching while you start shopping for your next ride.
