Motorbike Finance · Asset Finance
Line up the finance before you find the bike. Then negotiate like a cash buyer.
Road, adventure or off-road, new or used, dealer or private sale. We match the loan to the bike and your budget, and tell you plainly what is possible before you sign.
$1.5b in settled lending
MPA Top Commercial Brokers
5.0 Google rating
Phone answered 24 hours
What happens next
Why commercial through Evolve
Commercial is where we do our best work
Finance before you shop
Finance lined up before you visit a dealer or private seller, so you negotiate the price of the bike, not the monthly repayment.
Secured, unsecured or business
A secured motorcycle loan, an unsecured personal loan or a business structure for a work bike, matched to the bike and how it is used.
Private sales handled
We make sure the bike is checked on the PPSR, the national register that shows finance owing, before the lender pays the seller.
Lodged once, when ready
Thin credit history or a past decline? We assess everything before your credit file is touched, then apply once, to the lender that fits.
“They’re diligent, patient and prompt in following the progress of my loan. I would recommend Evolve Lending & Finance to anyone looking to get your financing done, no matter how large or small your needs are.”
Evan, Google review
“Evolve Lending & Finance have looked after us a number of times we have always found the team to be very friendly courteous and they just get the job done we would not go anywhere else.”
Lyn, Google review
In plain terms
How motorbike finance actually works
Motorbike finance looks simple at the dealer’s counter: a price, a weekly repayment and a form to sign. What you actually pay depends on what sits underneath: whether the loan is secured against the bike, how long it runs, whether a balloon is left at the end and which lender reads your file. That is the part we sort out first.
Most road bikes can be used as security, which often costs less than borrowing unsecured, provided the bike meets the lender’s rules on age and registration. Older bikes, some off-road machines and purchases that include riding gear often suit personal loans instead. Riding for work? If the bike is mainly a work tool, vehicle finance for your business may suit better, with the tax side confirmed by your accountant.
Tell us about the bike, the seller and your budget. The answer will be straight: possible now, possible with changes, or not yet.
How it works
From first call to settlement
- Step
The recommendation
A 15 to 30 minute call about the bike and your budget, then a straight answer, with lender, loan type and repayment in writing.
- Step
Loan application
Once you agree, one application to the lender that fits, with a short document list: ID, income evidence and the bike’s details when known.
- Step
Lender approval
The lender assesses you and the bike, or issues a conditional pre-approval if you are still shopping. You hear the outcome and any conditions plainly.
- Step
Approval to settlement
Documents signed, insurance confirmed where needed, and the funds paid to the dealer, the seller or you. Pickup depends on the seller, not the finance.
Understanding motorcycle loans
Three choices that shape your bike loan
Secured or unsecured motorcycle loans: what is the difference?
A secured loan uses the bike as security, so if the loan is not repaid the lender can take the bike and sell it. In return the rate is often lower than on an unsecured loan, which is not tied to the bike at all.
Lenders usually only take a bike as security if it can be registered and is not too old for their policy. The lender then records its claim over the bike on the Personal Property Securities Register. Older bikes, some off-road bikes and purchases that bundle in riding gear often go unsecured instead, with a different set of lenders.
How do balloon payments and loan terms work?
A balloon is a lump sum left owing at the end of the loan, and a longer term spreads the loan over more years. Both lower the regular repayment, and both generally mean more interest over the life of the loan.
Terms usually run up to seven years, though an older bike may be limited to a shorter one. Balloons are less common on motorbikes than on cars, and lenders that offer them often limit them to new or near-new bikes. Bikes can lose value quickly, so check any balloon against what the bike is likely to be worth when it falls due.
Can you finance a motorbike through your business?
Yes, if the bike is used mainly for business rather than private riding. A chattel mortgage is the usual structure: you or your business own the bike from day one, and the lender takes security over it.
If you are registered for GST, the GST on the purchase can usually be claimed, and the interest and depreciation are generally deductible, each to the extent the bike is used for business. Your accountant confirms the tax side; we match the structure and the lender to it.
Keep exploring
New or used cars, financed before you visit the dealer.
A trailer to carry the bike, financed on its own terms.
Caravans and campers, new or used, dealer or private.
Guide · How a chattel mortgage works when the bike is for business
Calculator · See what a bike loan repayment does to home loan borrowing
Know your repayment before you choose the bike
Call 1300 112 355
Questions riders ask before they sign
Can I get finance for a new or used motorbike?
Yes. Finance may be available for both new and used motorbikes or motorcycles, depending on the asset, its age and condition, and the lender’s policy.
Can I buy a motorbike through a dealer or private sale?
In many cases, yes. Some lenders will consider both dealer and private sale purchases, but the available options and requirements can differ depending on how the bike is being purchased.
What do lenders usually look at for motorbike finance?
Lenders will usually look at the type of bike, whether it is new or used, the purchase price, the requested term, your income and liabilities, your credit profile, and whether the overall scenario fits policy.
Is motorbike finance available for business use?
In some cases, yes. Where there is a genuine business use for the motorcycle, a business lending structure may be worth considering depending on the borrower and lender fit.
What documents are usually needed for motorbike finance?
Requirements vary, but lenders will commonly ask for identification, proof of income, details of liabilities, and information about the motorbike being purchased, such as a tax invoice or sale details.
How long does motorbike finance approval usually take?
Timeframes can vary depending on the lender, the quality of the application, and the asset being purchased. Cleaner applications with the right lender fit usually move more smoothly than poorly matched or incomplete submissions.
What can make motorbike finance harder to get approved?
Common issues include poor lender fit, weak credit, unstable income, policy restrictions around the type or age of the motorcycle, and applications that are poorly structured from the outset.