Motorbike Loans: Ride Your Own Way
Experience the freedom of two wheels with a loan tailored to your motorbike dreams. With straightforward repayments and flexible terms, you’ll be set to hit the road on your own terms in no time.
Minutes to apply.
Approval subject to responsible lending inquiries.
Motorbike Loan Calculator
Weekly Repayments
Monthly Repayments
Total Amount Repayable
The repayment amounts shown include Establishment and Introducer fees totalling $640 and a PPSR Fee of $8.05. These fees are examples only and they exclude ongoing fees. The actual fees charged may vary based on your circumstances and the chosen lender. For more about lender fees, click here.
Feel the Freedom of Two Wheels
Whether you’re after a brand-new bike or upgrading your current one, a motorbike loan can help make it happen. Borrow from $3,000 with terms that fit your budget and schedule.
Here’s how we get you on the road:
- Find the right loan for your dream motorbike.
- Choose repayments that align with your lifestyle and finances.
- Count on expert support every step of the way.
Clear Road Ahead
We lay out every cost upfront, so you’re never caught off guard.
Rates That Fit Your Ride
Lock in a fixed rate for your motorbike, giving you a clear picture of your repayments.
Credit-Safe Application
Apply without impacting your credit score, keeping your borrowing power secure.
Quick and Reliable
We handle the details swiftly so you can hit the road on your motorbike without delay.
Over 55,000 Kiwis Trust Us with Their Motorbike Finance
1 Apply Online in Minutes
Complete our quick form to discover the motorbike loan options that suit your needs.
2 We Find Your Right Loan
We’ll tailor offers to your riding style and budget, so you can hit the road with confidence.
3 Fast Approval
Timeframes vary but with complete information, approval can be same-day. Approval is subject to meeting lending criteria, and affordability test applies.
What our customers say
Understanding Motorbike Loans
What is a Motorbike Loan?
A motorbike loan lets you finance your next ride by spreading the cost into manageable monthly payments—so you can hit the road without a big upfront expense.
What Can a Motorbike Loan Be Used For?
Whether you’re eyeing a brand-new bike or a quality pre-owned model, a motorbike loan can cover it. It can also help fund repairs or upgrades for your current ride, keeping you moving smoothly.
How Do I Structure a Motorbike Loan?
Shaping your motorbike loan is all about tailoring it to your needs. Do you prefer lower monthly payments over a longer term, or would you like to pay it off quickly? Are you planning to put down a deposit? And remember to factor in fees, insurance, and maintenance to keep your budget balanced and stress-free.
Quick Spot Check
Informed decisions begin with a solid understanding. Browse our FAQs or talk to our experts for the guidance you deserve.
Motorbike loans are usually secured against the bike. Whether it’s your first or an upgrade, the rate you’re offered depends on your circumstances.
A motorbike loan provides the funds you need to purchase your bike, which you repay in fixed installments over time. Since your motorbike secures the loan, consistent repayments are key.
Your borrowing capacity depends on your income, expenses, and overall financial health. Loan amounts for motorbikes generally range from $3,000 to $100,000, tailored to your situation.
Interest rates vary based on your credit history, income, and the value of the motorbike. A solid credit record can help you access lower rates.
Current fixed interest rates range from 7.95% p.a. to a maximum of 29.95% p.a. on a minimum 12 month to a maximum 60-month loan term. The actual interest rate charged to you will depend on your circumstances, the type of lending required, the security provided, and the lender.
Yes, charges like an Establishment Fee and Introducer Fee apply, and often ongoing account fees. It’s important to review these costs upfront so you understand all the expenses involved.
Indeed, no-deposit motorbike loans are offered, subject to lender criteria. This option lets you finance the entire cost of your bike.
Timeframes vary but with complete information, approval can be same-day. Approval is subject to meeting lending criteria, and affordability test applies.
Yes—refinancing is possible (subject to lending criteria). It may help you reduce repayments, secure a sharper rate, or change the term, depending on your profile, loan balance, vehicle security and fees. Extending the term can increase total interest. Fees and charges apply. Responsible-lending (affordability) checks required.
The initial application involves a “soft” credit check that won’t impact your score. A full credit assessment only happens once you decide to move forward.
Missing a payment can result in fees and potentially affect your credit score. It’s important to reach out to your lender as soon as possible if you encounter any issues.
Use our online loan calculator to estimate your monthly payments based on the loan amount, term, and interest rate. This helps you budget effectively. Remember: these calculators only provide indicative figures. Your actual interest rate, fees and repayments will be determined after your application is assessed.
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