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Motorbike Loans from $2,000 to $75,000 - Finance Your Next Ride

Q: Can I include riding gear and on-road costs in my motorbike loan?

Some lenders allow you to bundle protective gear, helmets, accessories, registration, stamp duty and insurance costs into the loan amount. This means you can finance the full cost of getting on the road in a single loan with one set of repayments, rather than paying for extras separately. Ask about this when you apply as it is not always promoted but is commonly available.

Q: Can I get a bike loan with bad credit?

In many cases, yes. Some lenders on our panel consider your current income and financial stability rather than focusing only on past credit issues. You may pay a higher rate or need to provide a deposit, but having a default or missed payment on your file does not automatically mean you will be declined. It is worth applying and letting us match you with a lender suited to your situation.

Q: Will applying for a motorbike loan affect my credit score?

Our initial matching process uses a soft check that does not impact your credit score. If you proceed with a lender, they may do a formal credit enquiry which will be recorded on your credit file. Making your repayments on time can help build a positive credit history over the life of the loan.

Q: What is the difference between a secured and unsecured motorbike loan?

A secured motorbike loan uses the bike as security, which usually means a lower interest rate because the lender has reduced risk. If you cannot make repayments, the lender has the right to repossess the bike. An unsecured loan does not use the bike as security, so there is no repossession risk, but interest rates are typically higher. The right choice depends on how much you are borrowing, the value of the bike and your comfort level with each option.

Q: Can I get a motorcycle loan for a used bike or a private sale?

Yes. Our lender panel finances both new and used motorbikes, including private sales and dealer purchases. For used bikes, lenders may consider the age, condition and value of the motorcycle when setting the rate and term. Running a PPSR check on any used bike before purchase is always a good idea to confirm it is free of encumbrances and has not been reported stolen.

Q: How much can I borrow for a motorbike loan?

Most lenders on our panel offer motorbike loans from $2,000 up to $75,000 depending on your income, expenses, credit history and the value of the bike. The amount you are approved for will be based on what you can comfortably afford to repay over the loan term.

Q: How do motorbike loans work?

A motorbike loan lets you borrow a set amount to buy a motorcycle and repay it over an agreed term, usually one to seven years. You can choose a secured loan where the bike acts as security for a lower rate, or an unsecured loan where the bike is not tied to the finance. Repayments are fixed or variable depending on the product, and you choose whether to pay weekly, fortnightly or monthly.

New or used, cruiser or commuter. Get matched with lenders offering competitive bike loan rates, flexible repayments and no early payout fees.

Apply online in minutes.
Fast, no hidden fees.
No impact on your credit score.

Motorbike loans arranged through our panel for road bikes, cruisers, commuters and weekend rides

You’ve found the bike. Maybe it’s your first road bike, a commuter to skip the traffic, a cruiser for weekend escapes, or the upgrade you’ve been eyeing off for months. A motorbike loan lets you ride away sooner without burning through savings. Our brokers compare motorbike loans across our panel and arrange a deal that suits the bike, your budget and how you actually ride. Borrow from $2,000 for a used bike up to $75,000 for a brand new top-spec machine. Terms run one to seven years with repayments that line up with your pay cycle.

Most motorbike loans are written secured against the bike, which means a sharper rate than an unsecured personal loan because the lender has identifiable asset security. Unsecured options are available through our panel if you’d rather not tie the bike to the finance, but the rate is typically higher and borrowing limits are lower. Our service is free for you. New, used, dealer or private sale, all considered. If you’re after something for the water instead, see jet ski loans or boat finance.

Borrow $2,000 to $75,000

Loan amount depends on the bike, your income and any deposit. Used bikes from $2,000, brand new sportbikes and tourers up to $75,000 for eligible borrowers.

Road bikes, cruisers, commuters, tourers

Sportbikes, naked bikes, cruisers, adventure bikes, dual sports, scooters and commuters. New off a showroom floor or used from a dealer or private seller.

Secured or unsecured

Secured uses the bike as security and delivers a sharper rate. Unsecured doesn't tie the bike to the finance but comes with a higher rate. We help you pick.

Fixed repayments, flexible cycle

Choose weekly, fortnightly or monthly repayments to line up with your pay cycle. Fixed rate so the repayment doesn't move for the life of the loan.

Extra repayments allowed

Pay extra when you can, pay it out early when the bonus lands. No early payout penalty on most products on our panel.

No fees from us

Free for you to apply through our broker panel. We're paid by the lender when your loan settles.

Ready to get on two wheels?

It's fast, free, and won't affect your credit score.

Apply Now

Our Process in 3 Simple Steps

We’ll compare options from our 70+ lender panel to find a loan that suits your situation. There’s no fee to use our service, and our initial assessment won’t leave a mark on your credit file.

Eligibility Criteria

Verify Age & Address

You must be 18 or over and able to verify your residentialaddress.

Australian Residency

You must be an Australian citizen, permanent resident, orhold a valid visa.

Verify Your Income

You’ll need to show a regularincome from work, self- employment, or eligibleCentrelink payments.

Banking & Credit History

You’ll need an active bank account and lenders may review your credit history as part of theirassessment.

We follow responsible lending rules under the NCCP, so lenders check that any loan is suitable and affordable for you. We’re also an AFCA member, so you have access to independent dispute resolution if needed. To apply, you’ll usually need to be 18 or over, live in Australia, have an active bank account, and show regular income. Each lender has its own criteria, and final approval depends on their assessment of your circumstances.

Our Lender Panel

Frequently Asked Questions

Can I include riding gear and on-road costs in my motorbike loan?

Can I get a bike loan with bad credit?

Will applying for a motorbike loan affect my credit score?

What is the difference between a secured and unsecured motorbike loan?

Can I get a motorcycle loan for a used bike or a private sale?

How much can I borrow for a motorbike loan?

How do motorbike loans work?

Still have questions? We’re here to help. Contact our team anytime.

Motorbike Loans from $2,000 to $75,000 - Finance Your Next Ride

Motorbike loans arranged through our panel for road bikes, cruisers, commuters and weekend rides

Borrow $2,000 to $75,000

Road bikes, cruisers, commuters, tourers

Secured or unsecured

Fixed repayments, flexible cycle

Extra repayments allowed

No fees from us

Ready to get on two wheels?

Our Process in 3 Simple Steps

1. Enquire Online

2. Free Quote

3. Loan Approval

Eligibility Criteria

Verify Age & Address

Australian Residency

Verify Your Income

Banking & Credit History

Our Lender Panel

Frequently Asked Questions

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