Compare Motorbike Loans from 50+ Australian Lenders
From cruisers to dirt bikes, get on the road or trail faster with flexible repayments that suit your budget.
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Motorbike Finance Made Simple
Whether you’re chasing a new Harley, Yamaha, Ducati or KTM dirt bike, we’ll help you find the right loan to make it yours.
Borrow What You Need
Loan sizes typically range from $2,000 to $50,000+
Flexible Terms
1 to 7-year options depending on your budget
Quick Approvals
Get a fast decision and ride away sooner
New or Used
Dealers, auctions and private sellers supported
Fixed Repayments
Know exactly what’s due each month
Bundle Extras
Gear, accessories and insurance can sometimes be included
How it works
We take the hassle out of financing a motorbike — compare offers, pick the best, and ride away sooner.
Apply online in minutes
Tell us about yourself and the bike you’re looking at.
See matched options
Compare secured and unsecured loans side by side.
Upload documents
ID, proof of income and bank statements are usually enough.
Settle & ride away
We arrange settlement with the seller so you can collect your bike.
Backed by over 50+ lenders
Giving you the best chance of being approved.
A quick guide to motorbike finance
A motorbike loan lets you hit the road without having to pay the full price upfront. Whether you’re after a new road bike, dirt bike, scooter or even a collector’s classic, you can borrow the funds and repay them in manageable instalments over 1–7 years.
Lenders will look at your income, credit history and the bike’s age/value to determine how much you can borrow and at what rate. Newer bikes often attract sharper rates, while used bikes are still financeable with slightly different terms. With the right loan, you can ride away now and pay it off at a pace that fits your budget.
Want to skip ahead?
This guide is broken down into sections. Click a link if you want to skip ahead.
Types of motorbike loans
Different loan structures offer different benefits — here are the common options:
Secured Motorbike Loan
A motorbike loan secured against your motorcycle offering competitive rates and flexible terms. Finance your ride with confidence and competitive rates.
Pros
- Competitive rates due to motorbike security
- Choice of fixed or variable rate options
- Flexible terms for different bike values
- Finance cruisers, sports bikes, or touring bikes
Cons
- Motorbike serves as collateral - risk of loss
- Comprehensive insurance requirements
- Depreciation affects equity over time
- Storage and maintenance costs additional
Best For
Motorcycle enthusiasts seeking competitive financing for their bike with the flexibility to choose their preferred rate structure and terms.
Unsecured Personal Loan
A personal loan that doesn't require collateral, based on your creditworthiness and ability to repay, offering flexibility for various purposes.
Pros
- No collateral required - no risk to personal assets
- Quick approval and funding process
- Flexible use of funds for any purpose
Cons
- Higher interest rates than secured loans
- Stricter credit requirements
- Lower maximum loan amounts available
Best For
People who need flexible funding for any purpose without risking their assets. Ideal for debt consolidation, home improvements, holidays, and old or exotic vehicles.
Fixed Rate Motorbike Loan
A secured loan with fixed interest rate for purchasing motorcycles and motorbikes. Enjoy predictable payments while financing your two-wheeled freedom.
Pros
- Fixed interest rate provides payment certainty
- Competitive rates secured against the motorbike
- Perfect for road bikes, cruisers, and sports bikes
- Finance both new and used motorcycles
Cons
- Motorbike serves as security - risk of repossession
- Cannot benefit from interest rate decreases
- Comprehensive insurance typically required
- Seasonal usage may affect value
Best For
Motorcycle enthusiasts who want predictable monthly payments and rate protection when financing their bike purchase or upgrade.
Variable Rate Motorbike Loan
A secured loan with variable interest rates for motorcycle purchases. Potentially benefit from rate decreases while financing your motorbike dreams.
Pros
- Can benefit from interest rate decreases
- Often lower initial rates than fixed loans
- Flexible loan features and terms
- Suitable for all motorcycle types and brands
Cons
- Monthly payments can increase with rising rates
- Uncertainty in budgeting due to rate fluctuations
- Motorbike serves as security - risk of repossession
- Insurance and registration requirements
Best For
Motorcycle riders comfortable with payment variability who want to benefit from potential rate decreases when financing their bike purchase.
What can you use a motorbike loan for?
Motorbike loans aren’t just for buying the bike — they can cover extras too.
New Bike Purchase
Finance a brand-new bike from the dealership and spread the cost over time.
Used Bike Purchase
Buy second-hand from a dealer or private seller with finance tailored to older bikes.
Dirt & Off-Road Bikes
Get the funds for a motocross or trail bike and hit the tracks or trails.
Classic & Collectors
Spread the cost of a classic or rare motorbike without draining your savings.
Upgrades & Mods
Finance custom parts, performance upgrades or cosmetic mods.
Safety Gear & Accessories
Bundle in helmets, riding gear or luggage systems as part of your loan.
Repairs & Maintenance
Cover the costs of major repairs or servicing without using your emergency savings.
Insurance & On-Road Costs
Some lenders allow registration, insurance and extras to be included in the loan.
Riding Lessons
Finance professional motorcycle training courses if you’re new to riding.
Case Study
Ethan
Ethan brings home a Ducati without raiding savings
Challenge: Ethan had his heart set on a brand-new Ducati Monster but wanted his cash buffer left alone for rego, insurance and life’s curveballs.
Solution: A secured 5-year loan on a fixed rate covered 90% of the price, with helmet, jacket and gloves bundled at settlement.
Emu Money compared lenders and Ethan picked a flat monthly cost that wrapped the bike and gear into one facility. Paperwork sorted, keys handed over, and the Monster was in his garage that evening—savings intact and no surprise expenses.
How much can you borrow with a motorbike loan?
Motorbike loans typically range from $2,000 up to $50,000+. Your limit will depend on your income, credit history, and the bike itself. Newer bikes and higher-value models may attract larger loan sizes, while older or niche bikes may come with caps or shorter terms.
Terms usually run from 1 to 7 years, giving you the choice between paying off faster with higher monthly costs or stretching repayments out to lower each instalment.
Motorbike Loan Repayment Calculator
Estimate what your repayments could look like. Adjust the loan amount, term, rate and balloon to plan ahead.
Balance over time
Are you eligible for a motorbike loan?
Lenders want to see that you can comfortably manage repayments. They’ll consider your income, credit score, employment stability and recent bank statements. The bike itself matters too — newer models usually unlock sharper pricing and longer terms. Used or older bikes may be financeable with slightly shorter terms or lower maximum amounts.
If your credit isn’t perfect or you’re new to riding, don’t stress — specialist lenders may still work with you.
You may be eligible if you are:
An Australian resident aged 18+
Earning a regular income (PAYG or self-employed)
Able to provide payslips or bank statements
Looking to buy a new or used motorbike from a dealer or private seller
How to apply for a motorbike loan
Applying is simple. Complete a quick online form, upload your documents, and we’ll match you with lenders. Once you’ve chosen your offer, we handle settlement with the seller so you can collect your bike straight away.
Documents you may need:
Driver’s licence or passport
Recent payslips or bank statements
Employment or ABN details
Motorbike details (VIN, rego, invoice or quote)
How to save money on a motorbike loan
To keep costs down, compare secured vs unsecured loans. Secured usually gives you a lower rate, while unsecured may offer more flexibility. A balloon payment can lower your monthly instalments but leaves a lump sum at the end — make sure you’ll be able to cover it. Newer bikes often qualify for sharper rates, while bundling extras like insurance, gear or mods into the loan means you pay one competitive rate instead of dipping into savings.
Example: Balloon impact — $15,000 over 48 months at 8.79% p.a.:
| Balloon | Approx. Monthly Repayment | Notes |
|---|---|---|
$0 | $372 | Highest monthly cost |
10% ($1,500) | $335 | Lower monthly cost |
20% ($3,000) | $298 | Balance of cost vs flexibility |
30% ($4,500) | $261 | Lowest monthly cost; plan ahead for balloon |
Motorbike loan options explained
Here’s how different features can affect your loan:
Secured vs Unsecured Loans
Secured loans use the bike as collateral for sharper rates. Unsecured loans may be faster but usually come with higher rates.
Fixed vs Variable Rates
Fixed gives you certainty with steady repayments. Variable can save money if rates fall, but costs may rise if they increase.
Balloon Payments
Choose a lower monthly cost with a balloon at the end — just be sure you have a plan to clear it.
Early Repayment Flexibility
Some lenders let you pay extra or finish early without penalty, saving you interest.
Fees & Charges
Always check establishment, service and exit fees — they can add up to more than you think.
Testimonials
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Amazing customer service experience only took short time thanks Ryan
daniel r.
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Eujin made the process of securing a personal loan and car finance quick and hassle-free. He was efficient, easy to deal with, and provided excellent service. Highly recommend!
Nisal M.
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Brad and the team at Emu money are fantastic. Highly recommend.
Liam H.
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Brad was great, honest, responsive and on the ball, thanks for your help :)
Chantelle F.
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Thank you Brad for your help and patience in organising our funding. As discussed we highly recommend you. Many thanks.
Ryan P.
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Incredibly seamless experience! Highly recommend
Tracy W.
Frequently Asked Questions
Motorbike Loan FAQs
These helpful FAQs will help you find the answers you need. If you can't find what you're looking for, you can request a callback below.
