Motorbike finance made for you

Borrowing limits depend on your income, regular living expenses, existing debts and credit history. Instead of using generic calculators, we evaluate your verified financial profile to establish a comfortable borrowing limit that keeps your cash flow protected.

Interest rates are risk-based and determined dynamically by lenders based on your credit score, financial stability, loan term, and the bike's age. We evaluate our panel of 30+ lenders to identify a highly competitive rate tailored to your profile.

Motorbike loan terms generally range from 1 to 7 years. A shorter term means higher regular repayments but lower total interest paid. Stretching it over a longer term reduces your ongoing monthly or fortnightly repayments, though total interest over the life of the loan will be higher. Unsure what’s right for you? No stress. We’ll help you structure a term that aligns with your cash flow goals.

Not necessarily. Lenders we partner with offer no-deposit options so you can ride away without draining your cash savings. However, putting a deposit down lowers your borrowing balance, which may assist in unlocking lower interest rate tiers.

Yes, and it’s a smart way to shop. Conditional pre-approval establishes your confirmed budget before you visit a dealership or private seller. It gives you clear negotiating leverage and ensures you only fall in love with a bike within your price range.

In many cases, yes. We know past credit bumps happen. That’s why we work with specialised non-bank lenders who look beyond an automated credit score to evaluate your current income stability and actual ability to service repayments.

Yes to both. We arrange finance for brand-new showroom bikes, road bikes, dirt bikes, and quality used models. While newer bikes typically attract lower interest rate tiers, our panel includes lenders who accommodate second-hand motorbikes.

Lenders evaluate a motorbike’s age and condition to assess collateral risk. Standard secured motorbike loans generally require the bike to be under 10 to 12 years old by the end of the term. For older or classic bikes, alternative unsecured options may apply.

Yes. If you’ve found the right bike outside a dealership floor, we can facilitate private sale finance. To protect your investment, we conduct official PPSR checks to ensure the bike has no owing financial encumbrances, stolen record, or written-off history.

Often, yes. Select lenders allow you to bundle riding gear, helmets, custom exhausts, or luggage setups into your primary loan balance. Note: Capitalising accessories into a long-term loan increases the total interest paid over the life of the agreement.

Getting started is simple. Most applicants need to provide a valid Australian Driver’s Licence (with motorcycle endorsement where applicable), your two most recent payslips, and recent bank statements to verify regular income and daily living expenses.

Yes. If your credit profile has improved or market rates have shifted since you bought your bike, we can evaluate your current contract against our panel to see if refinancing could lower your repayments. Note: Extending loan terms can increase total interest paid over the life of your loan.

Yes. If you use your motorbike for commercial deliveries or business travel, we can arrange commercial asset finance or chattel mortgages. Low-doc options are also available for self-employed ABN holders using alternative income verification like BAS or bank statements.