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Asset Finance

Motorbike Finance for New and Used Bikes

Whether you are picking up your first road bike, upgrading to a new model, or adding an adventure tourer to the garage, we can help you arrange motorbike finance from a panel of specialist lenders across Australia.

Bikes we can finance

  • Road and sports bikes
  • Adventure and touring bikes
  • Cruisers and custom builds
  • Dirt bikes and off-road
  • Scooters and commuter bikes
  • New and used from dealer or private sale

Finance Structures

How Motorbike Finance Works

📋

Consumer Loan

The most common structure for personal motorbike purchases. You own the bike from day one, and the loan is repaid through regular instalments over an agreed term. Simple and straightforward for private buyers.

💰

Chattel Mortgage

Available when the motorbike is used primarily for business purposes. The business owns the asset from the outset and the loan is secured against it. Potential GST and tax treatment benefits may apply. Speak to your accountant for guidance specific to your situation.

📝

Personal Loan (Private Sale)

Buying from a private seller? A secured personal loan can be used where standard asset finance does not apply, giving you flexibility to purchase from individuals rather than dealers.

Who We Help

Motorbike Finance for Riders and Commuters

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Weekend and Recreational Riders

Finance a new road bike, cruiser, or adventure tourer without tying up savings. Flexible loan terms and structures to suit your riding lifestyle and budget.

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Commuters

A motorbike or scooter is a cost-effective commuting option. Finance arrangements for commuter bikes with terms and repayments designed around your regular income cycle.

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Off-Road and Enthusiasts

Dirt bikes, trail bikes, and performance machines. We can assist with finance for off-road purchases from dealers and, in many cases, private sales through personal loan structures.

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Business Use

If you are using a motorbike for business deliveries, inspections, or operations, a chattel mortgage structure may offer potential tax and GST benefits. Speak to your accountant for advice specific to your circumstances.

Illustrative Repayment Example

The following is a general illustration only. Actual repayments will vary based on loan amount, term, lender, your credit profile, and applicable fees and charges.

Always confirm exact repayment figures with us before proceeding with any application.

$12,000Loan amount 60 monthsLoan term From ~$230/moIllustrative repayment

Example only. Subject to lender approval, credit criteria, fees and charges. Speak to us for an accurate quote based on your situation.

How It Works

Three Steps to Your Motorbike Finance

1

Tell Us About the Bike

Let us know the bike you have in mind, the purchase price, and whether you are buying from a dealer or private seller. We will confirm what finance options are available.

2

We Find the Right Fit

We compare options across our lender panel based on your situation, the bike, and the purchase type. You get a clear picture of what is available before committing to anything.

3

Approved and On the Road

Once you are happy to proceed, we handle the application through to approval and settlement, so you can focus on picking up your bike.

Common Questions

Motorbike Finance FAQs

Can I finance a used motorbike?
Yes. Used motorbikes can be financed, though lender criteria around age and condition of the bike will apply. We can confirm what is available based on the specific bike you have in mind.
Can I finance a motorbike purchased from a private seller?
Standard asset finance generally applies to dealer purchases. For private sales, a secured personal loan is the common approach. We can walk you through the options based on your situation.
Do I need a deposit?
Deposit requirements vary by lender and your credit profile. Some lenders offer finance without a deposit. We will confirm what applies based on your specific application.
Can I include protective gear and accessories in the loan?
Some lenders allow accessories and gear to be included in the financed amount up to a certain limit. This varies by lender. We can clarify what is possible once we know which lender suits your application.
Is motorbike finance different from car finance?
The structures available are largely similar, though not all lenders finance motorbikes in the same way they do cars. We work with lenders experienced in motorcycle finance to ensure you have access to appropriate options.
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Motorbike Finance Near You

Ready to Finance Your Next Bike?

Get a quick quote and we will find motorbike finance options suited to your situation from our panel of specialist lenders.

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