Motorcycle Loans Made Simple.
Found the bike you want? We can help with the finance. Asset Finance Avenue compares motorcycle loan options across a broad panel of Australian lenders for new and used motorcycles.
Buying the motorcycle should be the fun part. Sorting the finance should be straightforward.
Motorcycle loans can vary considerably between lenders. The right option can depend on whether the bike is new or used, who you're buying it from, the age of the motorcycle and your own financial position.
We help you work through those differences and compare suitable motorcycle finance options rather than expecting you to work out which lender fits the purchase on your own.
Already found the bike?
Great. Send us the details, including the purchase price and whether you're buying through a dealer or private seller. We can start from there.
Still shopping around?
You don't need to have the exact motorcycle picked out before discussing finance. Understanding your likely options first can make the buying process easier.
New or used
Finance may be available for eligible new and used motorcycles, including sports bikes, cruisers, touring bikes, adventure bikes, road bikes and scooters.
The aim is simple: find a finance structure that makes sense for the bike you're buying and your circumstances.
New, used, dealer or private sale. The purchase matters.
Motorcycle finance is not necessarily the same for every bike. The lender options available can depend on the motorcycle's age, value, where you're buying it and your own financial position. That is why we start with the purchase, not just the rate.
New motorcycle finance
Buying a brand-new motorcycle through a dealership is generally one of the more straightforward finance scenarios. We can compare suitable motorcycle loan options and coordinate the finance with the dealer through to settlement.
Used motorcycle finance
Used motorcycle loans may be available across a broad range of eligible bikes. The motorcycle's age, value and condition can influence which lenders are suitable.
Dealer purchases
Already negotiated a bike with a motorcycle dealer? You can still organise the finance separately. Send us the purchase details and we can look at suitable motorcycle finance options around the deal.
Private sale motorcycle loans
Buying directly from another rider does not automatically mean paying cash. Some lenders can consider private sale motorcycle finance, although additional checks and documentation may be required before settlement.
Already found the motorcycle? Send us the bike, price and seller details and we can start there.
What does motorcycle finance actually cost?
The interest rate matters, but it is only one part of the picture. Your repayment and total loan cost can also change depending on the amount borrowed, loan term, deposit, fees and the lender that suits your application.
The motorcycle price
The more you borrow, the higher the repayment is likely to be. A deposit can reduce the amount financed, while some borrowers may prefer to finance more of the purchase price and keep their cash available.
The loan term
A longer term can reduce the regular repayment, but may increase the total amount of interest paid over the life of the loan. A shorter term generally means higher repayments but faster repayment of the debt.
Your rate and lender
Motorcycle loan rates can vary depending on your credit profile, income, financial commitments, the motorcycle and the lender's criteria. The lowest advertised rate is not automatically the best overall loan.
The useful question is not just “what is the interest rate?” It is “what will this motorcycle cost me to finance, and does the repayment work for my budget?”
Can I get a motorcycle loan?
Motorcycle loan approval depends on more than simply choosing the bike. Lenders will usually look at your income, existing commitments, credit history and the motorcycle you want to buy.
You do not need to fit one perfect borrower profile. Different lenders have different policies, which is why the right option can vary from one rider to the next.
Income and affordability
Lenders generally want to see that the motorcycle loan repayment is affordable alongside your existing living expenses and other financial commitments. Your income and overall financial position will form part of that assessment.
Credit history
Your credit history can influence which lenders and rates may be available. A strong credit profile may open more options, while a weaker credit history does not necessarily mean there is no pathway at all.
Deposit or no deposit
Some motorcycle finance applications may be possible without a deposit, while in other scenarios a deposit can improve the structure or reduce the amount financed. The right approach depends on the lender and application.
Employed or self-employed
Motorcycle finance can be available to PAYG employees and self-employed borrowers. The documents required can differ depending on your employment type, income structure and lender.
The motorcycle itself
Lenders can also consider the motorcycle's age, value and purchase type. This is particularly relevant for used motorcycles and private-sale motorcycle finance, where lender requirements can vary more widely.
Not sure whether you'll qualify? It is often easier to assess the actual scenario than try to guess from a generic online checklist.
Motorcycle finance questions, answered.
These are some of the questions riders commonly ask when comparing motorcycle loans, used bike finance and private-sale motorcycle finance.
Can I finance a used motorcycle?
Yes. Finance may be available for eligible used motorcycles. The lender will usually consider factors such as the motorcycle's age, value, condition, purchase price and your individual financial circumstances.
Can I get a motorcycle loan for a private sale?
Potentially. Some lenders can consider private-sale motorcycle finance. Additional checks may be required around the seller, motorcycle ownership, asset value and settlement process.
Do I need a deposit for motorcycle finance?
Not always. Some applicants may qualify for motorcycle finance without a deposit, while other applications may benefit from contributing cash toward the purchase. The available structure depends on the lender, motorcycle and borrower.
How long can I finance a motorcycle for?
Motorcycle loan terms vary between lenders and applications. The right term depends on the amount financed, the motorcycle, repayment preference and lender criteria. A longer term may reduce regular repayments but can increase the total interest paid.
What interest rate can I get on a motorcycle loan?
Motorcycle loan rates vary based on factors including your credit profile, income, existing commitments, the motorcycle being financed and the lender. A rate advertised online may not be the rate available for every borrower.
Can I get motorcycle finance with bad credit?
A weaker credit history can reduce the number of available options or affect the rate offered, but it does not automatically mean motorcycle finance is unavailable. The outcome depends on the overall application and lender policy.
Can self-employed people get motorcycle finance?
Yes, self-employed applicants can be considered for motorcycle finance. The information required may differ from a PAYG application depending on the lender, business history and how your income is demonstrated.
Can I finance a motorcycle before I choose the exact bike?
You can discuss your likely borrowing position before choosing the exact motorcycle. This can help you understand a realistic purchase range before negotiating with a dealer or private seller. Final approval will generally still depend on the motorcycle being purchased.
Can a business finance a motorcycle?
In some circumstances, yes. If the motorcycle has a genuine business use, a commercial finance structure may be considered. The appropriate option will depend on the business, asset and intended use.
Found the bike? Let’s look at the finance.
Tell us what you’re buying, the purchase price and whether it is through a dealer or private seller. We can help you understand what motorcycle finance options may be available.
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For all enquiries
- 1300 929 859
- Info@AssetFinanceAvenue.com.au
Every finance application is different. The examples above are provided as general case studies only. Approval is always subject to lender criteria and individual circumstances.