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:
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
Verified Review
The process with Emu Money has been fantastic — completely stress-free. Thank you EMU Money I cannot thank the team enough. Having been given an opportunity to get a loan when my bank turned us away. The service team has been absolutely brilliant. When you've become used to waiting times of an hour or more with other companies - I don't think I have waited more than a couple of minutes for this team. Plus, their phone staff are so nice to deal with. Great job. I just had to acknowledge it.
Pardeep M.
Verified Review
I want to take this moment to highlight the outstanding service I received from Jackson in organising for the purchasing of my car. Jackson have the know-how in dealing with any customers and made my car buying experience smooth and enjoyable. He was incredibly knowledgeable about the product and I confidently made my decision because he gives me all the information I needed. He was transparent throughout and made me comfortable and informed throughout the process. I would not hesitate to recommend Jackson and the company for a fast and easy loan approval that you don't get anywhere else. Thank you Jackson and I will recommend you to all my friends and families.
Usaia R.
Verified Review
I was so lucky to have had Evette as my broker through emu money, from the very first phone call Evette was amazing, so prompt and professional keeping me updated on the whole process of the application for finance for my new car, I highly recommend Evette!!!
Kaila B.
Verified Review
Eujine made the process of getting a loan swift and easy, he's very trustable, I would highly recommend
Amila L.
Verified Review
I had an excellent experience with Emu Money as they managed my car financing process smoothly and quickly. They were extremely professional and proactive, making the entire process stress-free. From start to finish, Emu Money’s team ensured that everything was handled efficiently, keeping me informed along the way. I appreciate their responsiveness and dedication, which made the process seamless. Highly recommend Emu Money for anyone looking for a reliable and professional financial partner!
Zain R.
Verified Review
Brad was fantastic, he goes above and beyond with his service and makes sure you get results. Amazing asset to this company, look forward to working closely in the future.
Zachary
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.
