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 Loan Australia
Emu Money Motorcycle Finance

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.

1.

Apply online in minutes

Tell us about yourself and the bike you’re looking at.

2.

See matched options

Compare secured and unsecured loans side by side.

3.

Upload documents

ID, proof of income and bank statements are usually enough.

4.

Settle & ride away

We arrange settlement with the seller so you can collect your bike.

How Motorbike Finance Works

Backed by over 50+ lenders

Giving you the best chance of being approved.

Affordable Car Loans
Alex Bank
Angle Finance
ANZ
Australian Motorcycle & Marine Finance
Australian Premier Finance
Automotive Financial Services
Azora
Bank of Melbourne
Bizcap
BOQ
Branded Financial Services
Capify
Capital Finance
CarStart Finance
CFI
Dynamoney
EarlyPay
Equity Tap
Finance One
Finstro
Firstmac
Flexi Commercial
Green Light Auto
Grenke
Latitude
Liberty
Lumi
Metro
Money3
MoneyMe
MoneyPlace
Morris Finance
Moula
Multipli
Now Finance
Pepper Money
Plenti
Prospa
Resimac
ScotPac
Selfco
Shift
SocietyOne
UME Loans
Vestone
Westpac
Wisr
Yellow Gate

Ready to get started?

Compare motorcycle loans from 50+ lenders with one simple application.

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.

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.

Loan Amount$5,000 - $1,000,000
Term12 - 84 months
Interest RateFrom 6.85%
Comparison Rate^From 8.52%
Time to Fund24 - 48 hours
EligibilityMinimum income $25,000, Australian resident, Fair credit score
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.

Loan Amount$5,000 - $200,000
Term6 - 84 months
Interest RateFrom 6.3%
Comparison Rate^From 7.97%
Time to Fund24 - 48 hours
EligibilityMinimum income $20,000, Australian resident, Fair credit score
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.

Loan Amount$5,000 - $1,000,000
Term12 - 84 months
Interest RateFrom 6.85%
Comparison Rate^From 8.52%
Time to Fund24 - 48 hours
EligibilityMinimum income $25,000, Australian resident, Fair credit score
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.

Loan Amount$10,000 - $200,000
Term24 - 84 months
Interest RateFrom 8.24%
Comparison Rate^From 9.91%
Time to Fund24 - 48 hours
EligibilityAustralian resident, Fair credit score
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

Motorbike Loan 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.

Loan Amount
$
Establishment Fee
$
Loan Term (months)
Interest Rate
%
Total amount to repay
$0.00
Your repayments
$NaN

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.:

BalloonApprox. Monthly RepaymentNotes

$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

VerifiedVerified Review

Excellent service, they always answered all my questions very quickly, thanks for everything Eujin and Andy 10/10

Matias S.

Review posted on 2025-09-10

VerifiedVerified Review

I made an enquiry with emu money and within 30 minute's, I had Ryan call me. He got the ball going straight away, and made everything so easy and was always keeping me updated with texts. I can not recommend this guy enough! Thanks again Ryan!

Ruairi M.

Review posted on 2023-09-27

VerifiedVerified Review

I applied for a car loan with the help of Emu Money a week ago, and the process was very fast and easy. There was no stress at all, as everything was taken care of by Krish, who managed my application from start to finish. He was very easy to communicate with and clearly explained the entire process and what was required from me. He was also quick to provide updates throughout. I would definitely recommend Emu Money to anyone looking for a smooth and hassle-free loan experience.. Thank you Krish.

Saritha A.

Review posted on 2025-07-30

VerifiedVerified Review

I've worked with Brad for quite some time, and after 25+ years in business across Australia, I can say with confidence: professionals like him are rare, in his case, unique in the industry. Brad understands business, printers, people, and lenders better than anyone I've worked with. The advice he's given, the care he's shown, and the way he's gone above and beyond to make sure my customers get the best deal possible has made a real impact. Some of my customers haven't just grown, they have exceeded expectations. For me, that's the proof in the pudding.

Gus A.

Review posted on 2025-08-20

VerifiedVerified Review

Fantastic experience. Very seamless process, all done online and settlement was exactly when required. Highly recommend Adam. He was a pleasure to do business with on our first loan with Emu Money.

Vicki

Review posted on 2025-06-25

VerifiedVerified Review

Definitely recommend. Leonie from Emu money went above and beyond.

Jocee U.

Review posted on 2023-05-31

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.

Do I need a motorcycle licence before applying?
Can I finance a used motorbike?
Can I bundle extras like gear or insurance?
What’s the minimum and maximum I can borrow?
What if my credit history isn’t perfect?
Can I repay early?
The information, tools, and material presented on emumoney.com.au are provided for informational and comparative purposes only and do not constitute financial advice or a recommendation. While we strive to ensure the accuracy and timeliness of the information provided, we make no guarantees or warranties, either expressed or implied, regarding the completeness, accuracy, reliability, or suitability of the information, products, services, or related graphics contained on this website. The loan rates, terms, and repayments presented are based on user inputs and the data provided by lenders in our network. These are estimates and indicative figures only. Actual loan rates, terms, and repayments may vary based on the specific lender, your creditworthiness, market conditions, and other factors not accounted for in our tools.
^The comparison rate shown is for a secured loan amount of $30,000 over a term of 5 years based on monthly repayments. Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Any calculations or estimations do not constitute an offer of credit or a formal credit quote and is only a calculation of what you may be able to achieve based on the information you have entered. It does not consider suitable product features or loan product types. Rates + repayments shown are based on user inputted data. All applications for credit must be verified prior to the formal assessment process. All applications for credit approval are subject to lender credit approval. Approval is not guaranteed.
The minimum loan term available is 12 months, and the maximum loan term is 84 months. Maximum Annual Percentage Rate (APR): The maximum APR, which includes the interest rate plus fees and other costs calculated annually, is 28.45% per annum. Representative Example: For a loan amount of $30,000 over a term of 5 years (60 months) at an annual interest rate of 6.85% p.a., the total repayment amount including all fees and charges would be $36,947.11, with a monthly repayment of $615.79.