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Motorcycles & Scooters

There’s nothing like the
freedom of a motorcycle.

Whether it’s cruising the highway on your road bike, destroying the tracks on your dirt bike, or zipping around the narrow streets on your scooter, On Road Finance is here to assist you secure a bike loan for your next two-wheeled purchase, new or used. Our finance specialists work around the clock to provide you with a level of service like no other. With a panel of over 25 lenders Australia-wide, you’re guaranteed to receive the lowest interest rate and best finance options, tailor made to suit your budget and lifestyle.

Road bikes, dirt bikes, quad bikes, sports bikes, touring bikes, classic bikes and scooters. On Road Finance has you covered!

Apply now for a fast and easy bike loan approval!

Your Finance Options

  • A Secured Bike Loan is a finance product where the lender funds the customers purchase of a bike and secures the loan against the motorcycle.
    Also known as a consumer bike loan, a secured bike loan is the most popular option for most of our customers. This is due to the competitive rates and repayments compared to other loan types.
    The customer takes ownership of the motorbike at the time of purchase and the lender takes an interest in the motorbike as security for the loan. Once the contract has been completed, the lender lifts their interest in the motorbike, giving the customer clear title.

    Pros Cons
    Lower interest rates If you default, the lender will repossess the bike
    1 to 7 year loan terms Penalty fees for paying the loan off faster, unlike personal loans.
    May borrow higher amounts Cheaper bikes may not be accepted
    Lower risk to lenders Classic bikes may be difficult to finance, unlike personal loans.
    Bad credit accepted

    Apply online for a fast and easy motorcycle loan approval and let On Road Finance get you on the road today!

  • A personal loan is your typical type of unsecured loan, where the lender will provide you with the funds to make a purchase of your liking. On Road Finance customers prefer a personal loan when they want to borrow a specific amount of money to use for motorcycle purchases.

    At On Road Finance, we also assist customers with funding their next holiday, home renovations, car repairs, furniture, computers, medical, dental and cosmetic surgery, sporting equipment, debt consolidation and more!

    Pros Cons
    No restrictions on bike age Slightly higher interest rates
    Can borrow as little as $2000 Usually capped at $35k
    No security required for approval Lengthy paperwork
    Can be used towards ANY purchase Bad credit not accepted
    Helps consolidate existing debt
    Can pay off faster without penalties

    Apply online for a fast and easy personal loan approval and let On Road Finance assist your personal loan needs!

Find out your repayments

Car Amount:



Interest Rate (%):

Loan Period (Years):


Your Repayments

This calculator is provided as a tool to assist customers in estimating the repayment amount at a user specified interest rate and loan term. Figures in this tool may not include all fees and charges in carrying out a loan product. Your correct interest rate depends on the amount borrowed, your personal circumstances and credit history. On Road Finance Pty Ltd is under no obligation to offer finance at the rate, repayment or loan term of this calculator. For a more precise quote, please contact On Road Finance on 1300 518 580.

Frequently asked questions
already covered for you.

What is the process to get started for a bike loan?

On Road Finance have simplified the bike loan application process for you.

First you’ll need to complete the application form online or contact 1300 518 580 to apply over the phone. Our On Road Finance specialist will confirm your details, history, assets and liabilities before requesting supporting documents.

Once your application has been self-assessed by a broker, the application will be submitted to the best and cheapest lender. They’ll run their checks too and give us the thumbs up approval.

You’ll then sign some contracts electronically (or face to face if you’re in Sydney) and the motorbike is all yours once the seller has received the funds!

How long does the whole process take?

Depending on your credit history and how fast you can supply us with your supporting documents, we should generally have a response for your motorcycle loan within 24 hours.

If your credit file is clean and there are no discrepancies in your application, we could even have you approved the same day!

I don’t have a deposit. Can I apply for finance?

Absolutely! A deposit of any size will obviously reduce your repayments, but we approve 100% of the motorbike finance to approved customers.

For a no-obligation quote to see if you qualify, please complete our online application or contact an On Road Finance specialist on 1300 518 580 today!

I have bad credit. Can I get approved for a motorcycle loan?

Yes! We assist many customers with bad credit history. On Road Finance has a panel of many finance companies willing to give you a second or even third chance. Bad credit motorcycle loans exist and you’ll be surprised how much you can borrow too!

I’d like purchase a bike from a private seller. Will this be approved?

Of course! Our lenders finance all types of bikes, no matter where you buy it from. Dealer sales, private sales and auction houses are all accepted, new or used!

How do I apply for a bike loan?

You can apply for an On Road Finance tailor made bike loan today by submitting an online finance application form or by contacting our team of brokers on 1300 518 580.

For any further questions, leave your contact details here and one of our friendly staff will be in contact as soon as possible.

Be protected with a comprehensive
range of solutions

Comprehensive Insurance

Comprehensive Insurance

Cover your motorcycle against accidental damage, fire, theft, flood, hail and windscreen damage.

Extended Warranty

Extended Warranty

Drive with peace of mind, knowing that your bike or scooter is covered against unexpected mechanical or electronic failure.

Guaranteed Asset Protection

Guaranteed Asset Protection

Don’t risk paying out a loan for a bike that is declared a “total loss” due to an accident or theft.

Loan Termination Insurance

Loan Termination Insurance

Reduce the stress and financial pressure on you or your family during unexpected events.

Consumer Credit Insurance

Consumer Credit Insurance

Your financial commitments will be met in the event of injury, disability, death or unemployment.

Roadside Assistance

Roadside Assistance

Best value Australia-wide roadside assistance 24 hours a day, 7 days and week.

Get In Touch

Are you ready to make the next move but have a few questions?
Complete the details below and an On Road Finance specialist will be in contact as soon as possible.

Contact Us