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Motorcycle Finance
We work tirelessly to get you the best rates & repayments for your business or personal needs.
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Motorcycle Finance Made Easy
Thinking about a new bike and wondering how motorcycle finance can help you get on the road sooner? Whether you are applying for your first motorcycle loan or comparing options for your next upgrade, we guide you through each step so you can choose a loan on motorcycle purchases with clarity and ease. Motorcycle financing lets you spread the cost over time, making it easier to secure the bike you want without relying on savings alone.
Since 2007, we have helped riders across Australia access competitive motorcycle finance options from more than 60 trusted bank and non-bank lenders. We explain how each option works, compare rates and outline what different lenders require. From commuters and cruisers to dirt bikes, sports models and touring motorcycles, we support both new and used purchases through dealers or private sellers.
When exploring motorbike loans Australia wide, riders often compare secured and unsecured structures, repayment expectations and how lenders assess new or used motorcycles. We help you understand eligibility and documentation and explain how each type of motorcycle loan fits into your budget. If you want to estimate repayments before applying, you can use our finance calculator to explore different amounts, terms and balloon options.
Whether you are comparing bike loans Australia, looking for flexible finance for motorbikes or exploring motorcycle finance Australia for the first time, we aim to make the process simple from enquiry to settlement. Our access to more than 60 lenders, fast turnaround times, flexible terms, no-deposit options and personalised support give you a smooth path toward securing the right loan for your next motorcycle.
At 360 Finance, we offer:
For life and leisure, business or personal, we've got you covered in every situation
Unregistered motorbikes allowed- Private, dealer, new and used bikes
- Low total cost low and low repayments
- No deposit loans available
- Balloon repayments available to lower repayments
Motorcycle Finance Options
Secured Motorcycle Loan
A secured motorcycle loan is one of the most common ways to finance a new or used motorcycle. By using the bike ...
A secured motorcycle loan is one of the most common ways to finance a new or used motorcycle. By using the bike as security, lenders reduce their risk, which often results in lower interest rates and predictable repayments. This structure suits riders who want clearer budgeting, competitive rates and access to higher borrowing limits.
It may be a strong option for riders who prefer lower interest rates, higher borrowing capacity and structured repayments that stay consistent over the loan term. Our specialists compare lenders, outline eligibility and explain how secured options differ when purchasing a new or used motorcycle so you can choose the structure that fits your plans.
Unsecured Motorcycle Loans
Unsecured motorcycle loans allow you to finance a motorcycle without using the bike as security. Because the lender...
Unsecured motorcycle loans allow you to finance a motorcycle without using the bike as security. Because the lender does not rely on the motorcycle to back the loan, rates may vary, but this structure offers more freedom, especially for older models, unique bikes or riders who expect to upgrade later. It also suits those who prefer a simple setup without asset requirements.
An unsecured loan can be a good fit for riders who want the freedom to sell or upgrade their motorcycle at any time, greater flexibility in how the funds are used and options that suit used motorcycle loans. Our team can help you compare unsecured choices across lenders and find a structure that aligns with your plans and budget.
Competitive
We have access to some of the lowest industry car loan rates allowing us to be highly competitive and find your best rate finance.
Easy
We do the running around for you in comparing car loan options and rates from over 60 lenders.
Fast Approvals
We work hard to get your car loan approved fast. Same day approvals are available - ask us how!
Flexible Terms
We find and compare car loan options to find what best suits your needs and budget with flexible 1-7 year terms available.
Motorcycle Loan Frequently Asked Questions
What is the minimum amount I can borrow for motorbike finance?
Most lenders offer motorbike finance Australia starting from around $5,000. Your borrowing capacity depends on factors such as the bike’s age, your income, your credit profile and whether you choose a secured or unsecured structure. We can assess your situation and outline the loan amount you may qualify for.
Can I finance a used motorbike with 360 Finance?
Yes. We compare used motorcycle loans from lenders across Australia. Whether you buy from a dealer or private seller, both secured and unsecured options are available depending on the motorcycle’s age, value and condition.
What is the difference between secured and unsecured motorbike loans?
A secured motorcycle loan uses the bike as collateral, which usually means lower rates and structured repayments. An unsecured motorcycle loan does not use the bike as security, offering greater flexibility but with different rate options. We can help you compare both based on your goals and budget.
How long are the loan terms for motorcycle finance?
Loan terms typically range from one to seven years. Shorter terms allow faster repayment, while longer terms reduce your instalments. The right term depends on your budget and whether you are financing a new or used motorcycle.
What determines my motorcycle loan interest rate?
Interest rates depend on the bike’s age and condition, your credit profile, whether the loan is secured or unsecured and the loan term and repayment frequency. Comparing multiple lenders helps you find competitive motorcycle loans that suit your circumstances..
Do I need a deposit for motorbike finance?
Many lenders offer motorbike loans in Australia with no deposit required. A deposit may help reduce repayments but is not always necessary. We can outline deposit requirements based on your loan type and chosen motorcycle.
How quickly can I get approved for a motorbike loan?
What happens if I sell the motorcycle before the loan ends?
If your loan is unsecured, you can sell the motorcycle without affecting the agreement. For secured loans, the loan must be paid out first because the lender holds the bike as collateral.
How can I calculate my repayments?
You can estimate your repayments using the 360 Finance Motorbike Loan Calculator. It allows you to test different amounts, terms and rate scenarios before applying.
We Work with the Most Trusted Aussie Lenders
Our lender network allows us to secure the best rates for you, every time.
A Big Thank You to Leanne
"One word - Excellence! Big thanks to Leanne for her outstanding effort in helping me get my new car. She went out of her way to answer all my silly questions in easy Laymens terms!"
We believe in making finance simple and accessible. Our team takes the time to explain everything in plain language, ensuring you understand every step of the process and feel confident in your financial decisions.
Apply today with Australia's trusted online broker since 2007
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How much can I borrow?
At today's lowest finance rate of 6.24%, you'll pay approximately...
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Above and Beyond
"I highly recommend 360 finance.They go above & beyond to help in anyway they can. Great service and very helpful. Thank you Dylan for making it possible for me to purchase my new Holden Trax"
Going above and beyond is what we do best. We don't just process applications – we become your financial partners, working tirelessly to find solutions that fit your unique situation and help you achieve your goals.
Apply today with Australia's trusted online broker since 2007