Motorbike finance, without the runaround
Road, dirt, adventure or scooter: your broker finds a lender that suits the bike, your budget and your gear.
- Free to compare
- A specialist partner broker, start to finish
- No credit score impact
Typical ranges only. Actual limits depend on the lender and your circumstances.
Example rate only: not a comparison rate, quote or offer of credit. Your rate depends on your credit profile, the lender and the asset. Excludes fees and charges.
How motorbike finance works with us
Motorbike finance is simpler than most expect. Many lenders treat bikes like cars, with secured rates for newer bikes and unsecured options for older or off-road ones.
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Your broker compares options across their panel, including private sales, so you don't overpay on the loan.
- Road bikes
- Dirt and trail bikes
- Adventure tourers
- Scooters
- Electric motorbikes
- Riding gear (with some lenders)
Secured and unsecured
Newer road bikes usually get secured rates; off-road or older bikes may suit unsecured.
Gear bundled in
Some lenders let you include helmets and riding gear bought with the bike.
Quick approvals
Some lenders can approve straightforward applications quickly.
Private sales covered
We check the bike for money owing and pay the seller for you.
Financing your first motorbike on L or P plates
New riders are often limited to LAMS bikes and need at least a learner permit; insurance may cost more. A shorter term can make upgrading easier, and some lenders let you include gear bought with the bike.
Read the full explanation
New riders are often limited to learner approved motorcycles, known as LAMS bikes, which keeps both the price and the loan amount modest. Lenders generally want to see that you hold at least a learner permit for the class of bike you're buying, and some ask how long you've been riding. A short riding history doesn't usually stop an application, but insurers may charge more for new riders, and comprehensive cover is commonly a condition of a secured loan.
Many riders upgrade once they come off their restrictions, so think about how long you'll keep a LAMS bike. A shorter term can make it easier to trade up without owing more than the bike is worth. Riding gear is a real cost for first-time riders, and some lenders let you include it when it's bought with the bike. Your broker can check this and compare secured and unsecured options so the loan fits your plans.
- New riders buying a LAMS-approved first bike
- Commuters saving on fuel and parking
- Adventure riders building a touring setup
- Dirt and trail riders needing an unsecured option
Pros and watch-outs
Pros
- Smaller loans keep repayments manageable
- Secured rates may apply to newer road bikes
- Riding gear can sometimes be bundled in
- Suits commuters, tourers and off-road riders
Watch-outs
- !Insurance can be costly for young or new riders
- !Off-road bikes usually need pricier unsecured finance
- !Fees weigh more heavily on small loans
Costs and fees to compare
The interest rate is only part of the cost. Ask your broker to show these side by side.
Insurance
Premiums vary by age, experience and bike. Quote first; secured loans often require cover.
Establishment fee
On smaller loans, a fixed establishment fee is a bigger share of total cost.
Monthly account fee
Small monthly fees add up over a multi-year term; check alongside the repayment.
Early payout fee
Riders often upgrade within a few years. Check the cost of paying out early.
Gear and accessories
Including helmets, jackets and luggage is convenient, but you'll pay interest on them.
Tips to strengthen your application
- 1Sort your licence or permit before applying
- 2Compare insurance quotes before choosing a model
- 3Consider a shorter term if upgrading after restrictions end
- 4Avoid other credit applications in the months beforehand
What you’ll need
What you’ll need
- Driver's licence or passport
- Two recent payslips, or tax returns if self-employed
- Last 90 days of bank statements
- Current debts and regular expenses
- Bike details (make, model, year, price)
What lenders look for
- 18+, Australian citizen or permanent resident (some lenders consider visa holders)
- Regular, provable income
- A credit history your broker can explain, blemishes included
- Repayments that comfortably fit your budget
First chat to funds in four steps
How it works in detail →- 1Tell us what you’re after
- 2Meet your broker
- 3Compare and choose
- 4We handle the rest
Motorbike finance: common questions
Can I finance a dirt bike?
Yes. Unregistered off-road bikes are usually financed with an unsecured or personal loan, since they cannot be registered as security in the usual way.
Do I need a full licence?
Lenders generally want the rider to hold the appropriate licence or learner permit. Tell your broker your licence status up front.
Can I include riding gear?
Some lenders allow gear bought at the same time as the bike to be included. Your broker will confirm.
What if I am buying from a private seller?
That is fine. We run a PPSR check and arrange payment to the seller once the loan settles.
Can I finance a motorbike on a learner permit?
Some lenders will, provided you hold the appropriate learner permit and the bike suits your licence class. Insurers may have their own requirements for learner riders, so check cover early.
Is it better to buy a new or used motorbike on finance?
Newer bikes are more likely to qualify for secured loans, which usually cost less. Older bikes may need an unsecured loan. Your broker can compare both so you can see which works out better overall.
Can I finance an electric motorbike?
Yes, many lenders finance electric motorbikes the same way as petrol bikes. Some may be more cautious with newer or less common brands, so share the make and model early.
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