Motorcycle loans.

A motorcycle loan lets you buy a bike now and repay it over an agreed term. There's more than one way to structure it, and we'll match the structure to the bike and your circumstances:

Secured motorcycle loan — the bike itself is used as security for the loan. Because the lender holds security, this is generally the lower-cost way to borrow, and it suits new and near-new motorcycles.

Unsecured personal loan — no security is taken, so the bike isn't used as collateral. The process is usually quicker, which makes it worth looking at for older used bikes, or if you'd rather not secure the loan against the motorcycle.

Fixed rate loan — your repayments stay the same for the life of the loan, generally one to seven years, so you can budget with certainty and you're protected if rates move.

Variable rate loan — more flexibility to make extra repayments without penalty, and some lenders offer a redraw facility on the extra payments you've made.

Low deposit or no deposit — eligible applicants can finance up to the full purchase price, which keeps your cash free for riding gear, accessories, insurance and registration.

Which of these you qualify for comes down to the lender and your situation. Tell us what you're looking at and we'll talk you through the options that actually fit.

Yes. We arrange finance for new and used motorcycles bought through dealers or privately. Private sales need a few extra checks on the bike and the seller, including confirming there's no money owing against it, and we walk you through what's required.

Generally photo ID, proof of income and details of your regular expenses and existing commitments. Motorcycle loans can carry establishment fees, ongoing account fees and sometimes early repayment costs, and these differ between lenders. Whatever applies to your loan is set out clearly before you sign.