Bike Finance

Have you ever found yourself looking wistfully from the confines of your car and longing for the wind on your face? Barrelling down country roads, released from the tethers of smartphones and chatty passengers. Experience the freedom of a motorcycle with bike finance from AAA Finance.

Whether you want to ride through the streets of Brisbane, cruise through the Sunshine Coast Hinterland or go off-road on the trail bike circuit.  AAA Finance and Insurance can make this a reality, with low-cost motorbike finance tailored to you.

What types of bikes can be financed?

We can finance all types of motorbikes, including:

  • Road, trail and dirt motorbikes.
  • New or used motorbikes.
  • Motorbikes bought privately or from a dealer.
  • Tri and quad bikes.

What type of bike finance should I get?

There are 2 main types of motorbike finance that we can offer you.

  1. Secured Motorbike Loan
  2. Unsecured or personal motorbike finance

1. A secured motorbike loan, is also called a consumer bike loan.  This is our most popular type of motorbike finance for both new and used bikes. The bike is used to secure the loan. Having an asset as security against the loan reduces the interest rate charged.

2. A personal motorbike loan or unsecured motorbike loan is used to purchase an older motorbike. In this situation the bike is NOT used as security for the loan. As such the interest rate will be higher.

What are the interest rates like?

With access to over 40 lenders we have a wealth of motorcycle loan options. These include Australian Motorcycle & Marine Finance, RACV, Latitude Financial Services and Automotive Financial Services. We match the best lender with your individual financial circumstances. This ensures that you get the lowest interest rate and the best motorbike finance package available to suit your needs.

Your interest rate is determined by 3 main factors. Firstly your credit history and credit score, secondly your work and living circumstances and lastly the age and type of bike you are purchasing.  Our easy to use motorbike finance calculator is on hand to help you estimate your repayments.

Bike finance calculator

Our motorcycle finance calculator can help you figure out your fortnightly or monthly finance repayments. All you need is:

  1. The amount of finance you require, less any deposit. You can include other expenses, such as insurance and accessories in the loan amount. Accessories, such as leathers, helmet, top boxes and tail bags, can be included in your finance amount.
  2. An estimate of your interest rate. This is determined by your profile and prior credit history.
  3. Finance term in years. The longer the term, the smaller the repayments. When deciding on your loan term please keep in mind that extra repayments can be made off the loan at any time without penalty.

Motorcycle insurance

Whether your bike is for commuting around town, cruising open roads or tearing up the off-road, you'll enjoy riding it more knowing that it is insured. AAA Finance and Insurance has a range of motorcycle insurance packages to protect your motorbike, credit rating and bike loan. From comprehensive bike insurance to consumer credit insurance, AAA has you covered.

Motorbike finance made easy

Tips for buying a used motorbike

A test ride can convey valuable information about a used motorbike, but before you go for a spin here are some ways to ensure you don't fall into some of the common pitfalls of the second-hand market.

  • Don't even consider motorbikes with any sort of frame damage. This can include dents, weld tears, kinks or fractures. The smallest crack or hairline fracture can not only qualify the bike for the scrap yard, it poses a serious safety hazard.
  • Check the chain and sprockets. The chain should be nice and tight with a little flex, while being free of rust. The sprocket teeth should all be even with the tips not overly rounded.
  • Study the battery leads for any sign of corrosion. These are normally found under the seat, so feel free to remove it in your inspection.
  • Examine the tyres. Just like a car, the tread shouldn't be below the wear indicators.
  • Test the suspension. Simply sit on the bike and push down on the front forks. They should compress firmly, before recoiling back to the top. Do the same with the rear shocks, before checking for any oil leakage.
  • Make sure the VIN, engine and registration numbers match those on the paperwork.
  • Negotiate. Most used motorbike sellers are prepared to accept less than the advertised price. If you find any of the above faults, use them as your arguing points.

These tips are courtesy of the Australian Road Rider.

How do you apply for bike finance?

We offer a quick and easy finance application process to help get you on the road fast. Most motorbike loans are approved within 24 hours.

If you would like to make an enquiry, simply fill out the Quick Loan Enquiry form to the right of this page and we'll get back to you with a quote as soon as possible.

Ready to apply for a motorcycle loan? Simply contact one of our AAA Motorbike Finance Specialists today. Call (07) 5493 1222 to apply over the phone - it only takes 5 minutes.

Alternatively, you can apply for a pre-approved bike loan, which will give you more negotiation power for your new purchase.

Tammy Davies
Tammy Davies
27 April 2024
Excellent service provided from start to finish, Jaime kept us informed through each step. Would highly recommend. Very easy to deal with, having financed with car dealers many times, this was a seamless process and AAA ensured they secured the best deal for us.
David Marjoribanks
David Marjoribanks
17 April 2024
Jason Barry and the team at AAA Finance were great throughout what became a complex process in arranging settlement on finance for a vehicle. Jason’s continued efforts to resolve some unexpected issues and constant follow up ensured the finance settled. Without his great work it could easily have fallen over. Even the fleet company who sold the vehicle to me were singing his praises ! Thanks Jason. Will be using Jason and AAA Finance on my next purchase for sure !
Deborah Gibson-Campbell
Deborah Gibson-Campbell
2 April 2024
Exceptional service by Jason yet again. I have been engaging Jason for many years now, whenever I have used financial services for purchases and he has always obtained a great loan package for myself.
Samantha Holder
Samantha Holder
2 April 2024
Big thanks to Jason Barry at AAA Finance! From beginning to end, Jase ensured that purchasing our 2021 Jayco Work N Play was smooth and hassle-free. Even though we initially received approval with a higher interest rate, he persevered and secured a much better rate for us. He maintained excellent communication throughout the entire process. I highly recommend Jason to anyone. Thank you Jase for your outstanding service!!
Jemma Pudwell
Jemma Pudwell
15 February 2024
We have used Jase from AAA Finance twice in the last 12 months, and he has been great to deal with. Communication was great, he was very proactive especially if anything may come up and were very quick in getting it all sorted in the best possible way to suite our situation. Highly recommend and will use Jase again in the future.
Ryan Smith
Ryan Smith
14 February 2024
Just finished my process with Ray from AAA finance. The man is unbelievably genuine and taught me so much throughout the process. This wasn't just about securing my finance and Ray showed that through immaculate service. Ray has educated me and shed light onto future projects only confirming where I'll be taking my business in the future. Absolutely phenomenal and wouldn't even consider using anyone else. Thanks again Ray!
Wayne Roby
Wayne Roby
29 January 2024
AAA were awesome at helping me out of a tight situation (and with bad credit file) ! they were friendly and quick to respond. i would highly recommend them
23 January 2024
Jason was professional, organised and very helpful in regards to the loan for camper van. I am very grateful to have spoken to someone who managed the process so easily, flexibly and was able to provide solutions. Thank you
Emily Dimitriou
Emily Dimitriou
10 December 2023
Jason has been absolutely wonderful to deal with and we couldnt be happier with his service. Top notch 😊
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