MFAA Member · ACL 389328 · Same-Day Approvals

Motorbike Loan — Motorbike loans, Australia-wide.

Road, off-road, dual-sport, scooter. New or second-hand. Personal or ABN. Specialist motorbike-finance panel + same-day decisions on most files.

Bike types we finance

24h

Most approvals

10+

Specialist lenders

$5k-$50k

Typical loan size

Broker fee

Motorbike finance

Bikes we finance.

Road bikes

Standard + cruiser + sport

Naked, sport, tourer, cruiser, adventure — new or used. Standard 3-7 year terms. Personal or business name.

New + used
3-7yr terms
Personal or ABN

Suited to: Daily commute or weekend riding

Off-road + dual-sport

Dirt + enduro + adventure

Dirt bikes, enduro, dual-sport, adventure tourers. Sometimes higher rate due to depreciation profile. Some lenders cap loan-to-asset value lower.

Dirt + enduro + adventure
Specialist lender appetite
Higher rate sometimes

Suited to: Off-road riders + adventure tourers

Scooter + LAMS

Learner-approved

Scooters, learner-approved motorcycles (LAMS-bikes), smaller-engine commuters. Often lower loan size but same approval process.

LAMS bikes welcome
Scooters + small commuters
Standard terms

Suited to: Learners + city commuters

Specialist motorbike lenders.

Not every car-loan lender wants motorbike files. We work with the panel that specialises in motorbike finance + sets appetite for off-road, vintage, and high-value bikes.

Personal or business.

Personal-use motorbike (standard car loan). Business-use (chattel mortgage, ABN required). We structure the right one for your tax position.

Same-day decisions.

Most motorbike approvals return within 24 hours — often same-day for clean files.

From first call to settlement

Easier than you'd think.

Send bike details

Make, model, year, price, dealer or private sale, personal or ABN.

We compare specialist lenders

Rates, terms, balloons, ABN requirements.

Submit + approve

Most approvals 24h.

Settle + ride

Funds to dealer or private seller. You ride away.

Frequently asked questions.

What's the maximum loan term for a motorbike?

Most lenders offer 3-7 year terms on motorbike loans, similar to car loans. Some specialist lenders extend to 10 years on higher-value bikes.

Can I finance a private-sale motorbike?

Yes — most lenders finance private sales. The lender will require a PPSR check on the bike to verify there's no existing security. We coordinate the PPSR check + settlement with the seller.

Will my motorbike loan rate be higher than a car loan?

Typically a small premium — 0.5-1.5% above equivalent car-loan rates — because motorbikes have a steeper depreciation profile. Off-road bikes sometimes carry a higher premium than road bikes.

Can I get a chattel mortgage on a motorbike?

Yes — if you have an ABN with genuine business use of the bike (e.g. delivery, fleet, business commute). Interest + depreciation tax-deductible against business income.

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Mon–Fri 9am–5pm. Real broker, real conversation, no call-centre.

08 8121 3076

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