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About Our Low Rate Bike Loans

Bike loans are similar to personal loans but are often a lower interest rate because the loan is secured by a financial interest in the motor cycle you purchase. These secured loans are also available for boats, trucks, cars etc. Scroll down to view the various finance options to buy your next bike.

Our staff helps Aussie customers find the most suitable loan, for cars, boats, motorbikes, or any other worthwhile purchase. With access to a wide variety of banks and finance lenders we compare the best finance options available to you through our large panel of Australian lenders. Let our staff help you!

If you are self employed, we speak your language. If you’re motorbike will be used for business use we help business customers secure a chattel mortgage, hire purchase, or novated motor cycle lease. Our Finance Centre staff our experienced with helping small business.

Not only do we compare bike loans, but we also offer flexible finance products for business, bike leasing, and bad credit customers

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Which is the best bike loan for you?

Is your bike going to be all work? or all play? Or a bit of both? We have a variety of flexible options and products to suit your loan requirements.

Bike Loan - Secured

This is a secured loan available for a new or used bike. The loan is secured by financial interest over the motor cycle and is usually a lower interest rate than an unsecured loan.

Chattel Mortgage

This is the most popular bike loan for business.  Whether its a Harley, Ducati, or a courier bike, if the motor cycle is used predominantly for business use a Chattel Mortgage will preserve cash flow and provide tax savings.

Personal Loan

A personal loan is unsecured, meaning the money borrowed can be used for any purpose. You may want to consolidate all your credit card debt, or need money for a holiday, renovations, or even cosmetic surgery. The loan is yours and the money can be used for leisure. A personal loan can even be used for a car, boat or bike, however being unsecured the interest rates are not as low as a secured loan.

Bike Lease / Novated Leasing

A Bike Lease or salary sacrificing Novated Lease can help you and your employer save on tax and gain all the benefits of a company boat. Our staff are finance experts and can put together a lease package to suit your requirements.

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Features of Bike Loan

A Bike loan is a secured finance option and often allows lower interest rates and other great features. But all loans are not created equal, and a Motor Cyle loan may not always be the best option. Personal loans have become a great option for some people to choose. The Finance Centre will help you choose the right loan option for your needs. Customers can trust our knowledge and experienced advice.

Dealer or Private Sale

Customers can buy privately or a dealer. Private sale vehicles will need to be formally inspected by an approved agent.


Apply now and get pre-approved finance allowing you to shop with confidence. Pre-approval means you will know how much you can afford to spend without worrying about the uncertainty of the credit assesment process.

How much can I you borrow?

Minimum loan is from $5000 with a maximum loan term of 7 years. The total amount you can borrow is calculated by your affordability which our staff will be able to assist and advise on application.

100% Funding on Loan

You can borrow up to the full purchase price of the vehicle plus any insurance premiums.

Bike Loan - Eligibility

Finance Centre staff will help you through the steps to get your loan approved. Here are some of the important factors below. Contact us now to determine your eligibility.


Minimum age for all applicants is 18 years old, an Australia resident, and hold a current Australian drivers licence. When finalising the boat loan, applicants will need to provide various identification and income documents.


You must have a regular income and affordability. The lender assessment team will evaluate your income and expenses together with the loan commitments to determine and approve your loan.

Credit Rating

Even with a bad credit rating we have products that may help you get a 2nd chance. Interest rates are usually higher due to the added risk, however we will help you get the best bad credit loan deal you can afford.

Frequently Asked Questions

The answers to the most frequently asked questions about our low interest rate bike loans.

Minimum loan is $5000. Subject to credit assessment and affordabilty, you can borrow up to the full purchase price of the vehicle plus insurances.

Yes! If you are arranging to buy a motor cycle from a private sale for used cars, boats, trucks, bikes etc Finance Centre can still arrange a competitive bike loan. Additional doumentation and vehicle inspection will be required by one of our approved inspectors.

We will find the most competitive options from our large panel of lenders available to suit you.

Low risk usually means low interest rate. Higher risk, higher interest rate. Most lenders consider some of the following to determine the lowest interest rate you can qualify for:

  • Your credit rating;
  • Your assets & liabilities;
  • Your credit history and previous loans of similar size;
  • Employment history & stability and affordability.

Contact our staff – we can help you with your application online or over the phone.

It costs nothing to apply, there is no application fee. If your loan application is approved Finance Centre will then send you a formal letter with a detailed offer including complete breakdown of interest, charges, rates, and fees for you to consider. If you choose to proceed we can then process your loan and get you into your new bike!

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Get a quote online now. Call us or we can call you!