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.

John Shanahan
John Shanahan
3 May 2023
We worked with Jason to arrange finance for our Austrack van. Jason's service, knowledge and understanding was fantastic. Great outcome and can't wait to get into our van! Thanks Jase.
Robbie Amhaz
Robbie Amhaz
10 March 2023
I Have been with AAA for many years now and they have always been my go too broker for personal loans. Peter & Jason always go the extra mile for me as a client and their rates & fees are competitive. We recently purchased a brand-new car and AAA got us the loan we wanted and at the right interest rate. Excellent service and industry knowledge. Thanks Again Robbie Amhaz
Paul Mansell
Paul Mansell
18 August 2022
These guys go above and beyond. I would recommend them to anyone.
Wayne Jones
Wayne Jones
27 July 2022
Warwick provided a very simple platform to execute our business with him,nothing was a issue and he was very prompt getting back to us or returning calls,highly recommend AAA Finance
11 July 2022
The team at AAA made the finance application process incredibly smooth and stress-free, handling all of the otherwise difficult paperwork with the lender and seller. We have used them multiple times now and have never been disappointed!
Lyndon D
Lyndon D
9 December 2021
We had Jaime as our broker and wow! She did such a great job. 10/10 customer service! Answered every question, gave us all the advice we needed. Can’t fault anything at all. Thank you Jaime !
Bianca Bloomfield
Bianca Bloomfield
9 November 2021
These guys were fantastic ! - Jaime was prompt, professional and kept me in the loop while the finance boxs were ticked in the background. This was all done very quickly and they were super competitive in the market, which was awesome, when there was additional requirements she was straight on the phone-Highly recommend !!
Larna Kerswell
Larna Kerswell
14 October 2021
Warwick at AAA Finance was so easy and great to deal with. He was patient and helpful with us every step of the way. We would recommend them to anyone looking around for finance. Thank you so mauch Warwick and AAA Finance.
Donna Joy
Donna Joy
23 September 2021
I was very happy with the excellent service given by Sam Sharpe. He was helpful, polite and easy to understand. Thanks Sam 😃
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