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Loan sizes typically range from $2,000 to $50,000+
1 to 7-year options depending on your budget
Get a fast decision and ride away sooner
Dealers, auctions and private sellers supported
Know exactly what’s due each month
Gear, accessories and insurance can sometimes be included
Tell us about yourself and the bike you’re looking at.
Compare secured and unsecured loans side by side.
ID, proof of income and bank statements are usually enough.
We arrange settlement with the seller so you can collect your bike.
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.
This guide is broken down into sections. Click a link if you want to skip ahead.
Different loan structures offer different benefits — here are the common options:
A motorbike loan secured against your motorcycle offering competitive rates and flexible terms. Finance your ride with confidence and competitive rates.
Motorcycle enthusiasts seeking competitive financing for their bike with the flexibility to choose their preferred rate structure and terms.
A personal loan that doesn't require collateral, based on your creditworthiness and ability to repay, offering flexibility for various purposes.
People who need flexible funding for any purpose without risking their assets. Ideal for debt consolidation, home improvements, holidays, and old or exotic vehicles.
A secured loan with fixed interest rate for purchasing motorcycles and motorbikes. Enjoy predictable payments while financing your two-wheeled freedom.
Motorcycle enthusiasts who want predictable monthly payments and rate protection when financing their bike purchase or upgrade.
A secured loan with variable interest rates for motorcycle purchases. Potentially benefit from rate decreases while financing your motorbike dreams.
Motorcycle riders comfortable with payment variability who want to benefit from potential rate decreases when financing their bike purchase.
Motorbike loans aren’t just for buying the bike — they can cover extras too.
Finance a brand-new bike from the dealership and spread the cost over time.
Buy second-hand from a dealer or private seller with finance tailored to older bikes.
Get the funds for a motocross or trail bike and hit the tracks or trails.
Spread the cost of a classic or rare motorbike without draining your savings.
Finance custom parts, performance upgrades or cosmetic mods.
Bundle in helmets, riding gear or luggage systems as part of your loan.
Cover the costs of major repairs or servicing without using your emergency savings.
Some lenders allow registration, insurance and extras to be included in the loan.
Finance professional motorcycle training courses if you’re new to riding.
Ethan
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.
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.
Balance over time
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
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)
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 |
Here’s how different features can affect your loan:
Secured loans use the bike as collateral for sharper rates. Unsecured loans may be faster but usually come with higher rates.
Fixed gives you certainty with steady repayments. Variable can save money if rates fall, but costs may rise if they increase.
Choose a lower monthly cost with a balloon at the end — just be sure you have a plan to clear it.
Some lenders let you pay extra or finish early without penalty, saving you interest.
Always check establishment, service and exit fees — they can add up to more than you think.
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