Motorbike loans to fuel your freedom

We can help you finance a wide range of motorbikes — from brand-new models to quality used bikes. This includes cruisers, sportbikes, scooters, dirt bikes, touring bikes, and more. Whether you're buying from a dealership or a private seller, we've got loan options to suit different purchase types and budgets. If it's roadworthy and within lending guidelines, chances are you can finance it.

Loan amounts typically range from $5,000 to $250,000 or more, depending on the lender, the value of the motorbike, and your financial profile. Whether you're after a reliable commuter bike, a weekend cruiser, or a high-end sportbike, there's flexibility in how much you can borrow. A deposit or trading in an existing vehicle may also increase your borrowing power or help you secure a better rate.

Our approval process is quick and hassle-free. Once you submit your application and provide the necessary documents, approval can often happen within a few hours. If everything is submitted early in the day and your paperwork is in order, you could receive your loan funds on the same day. We aim to move fast so you can get on the road without delays.

Down payment requirements vary by lender, but many will finance up to 100% of the bike's value, especially for buyers with good credit. If your credit is less than ideal, a 10–20% down payment can strengthen your application and potentially lower your interest rate. It also reduces how much you need to borrow, which can make repayments more manageable.

Motorbike loan terms typically range from one to five years. A shorter term means higher monthly payments but less interest over the life of the loan. A longer-term spreads out repayments and lowers the monthly cost, though you may pay more in total interest. The best option depends on your budget and how long you plan to keep the bike.

Interest rates can vary widely based on your credit score, the loan amount, and the lender. Currently, reasonable rates for borrowers with good credit can start around 6–9%, while those with lower credit scores may see rates from 10–20% or higher. Fixed rates provide stability, and we’ll compare multiple lenders to ensure you get the best deal.

Yes, getting a motorbike loan is possible even if you have bad credit. We work with lenders who understand that life happens — and that credit scores don't tell the whole story. If you have a steady income and meet essential lending criteria, there's a good chance you'll be eligible. Remember that interest rates may be higher, and the amount you can borrow could be lower. However, getting approved and making consistent repayments can even help improve your credit over time.