Bad Credit Bike Loans
Hit the open road on your next bike, fast. Apply now and we’ll match you to a lender and do the hard work for you.
Hit the open road on your next bike, fast. Apply now and we’ll match you to a lender and do the hard work for you.
Cruising the coast with a cool breeze hitting your face and the roar of the engine in the background: it’s a familiar feeling to motorcycle owners. If you’re spinning wheels searching for bad credit motorbike finance, though, we can help you out.
For more than a decade, we’ve been matching bikers with specialist lenders most likely to get them approved for a loan. Our skilled consultants do the hard work for you, giving you the best shot at hitting a green light in as little as 48 hours, so apply today.
Being completely online allows us to service applicants living in big cities, outermost regions and the furthest coastal towns.
Our experienced consultants help you navigate your way through the application process to give you the best chance at approval.
Getting an obligation-free quote from us and our consultants won’t dent your credit score.
Having the option of a brand-new or second-hand two-wheeler means you have more to choose from when browsing the market.
Don’t let bankruptcy stop you in your tracks. We help match you to a flexible lender willing to give you another shot at borrowing once you’re discharged.
A range of fixed and ongoing government benefits can be factored into your assessable income, including aged, Veterans’ Affairs and carer payments.
Casual, part-time, seasonal and self-employed workers can get finance approval, meaning you don’t have to be full-time to be eligible.
Our lenders let you choose your loan terms, giving you the option to repay over one to five years in line with what’s comfortable for you.
Scheduling weekly, fortnightly or monthly payments means you can align your payments with your budget.
You can fill out our free online quote and have the option to submit a full application, but if you’re not ready, a consultant will call to discuss your options.
After opting to apply, your consultant uses the latest technology to match you to the lender who stands the best chance of approving you.
Your consultant knows the approval processes inside and out, so you can leave your application in their capable hands.
Approval is only a phone call away. Once you’ve been given the green light, you’ll sign some digital paperwork so your funds can be released.
Owning a motorcycle has been proven to be good for the soul. Several studies have shown owning a motorbike can reduce stress, make you happier and improve your focus. However, before you saddle up and take advantage of these benefits, it’s important to look at the ongoing costs. These include:
Repayments
It’s critical to keep on top of your loan repayments. Your consultant will ensure these are manageable when they work out your borrowing capacity. Lenders allow you to set up direct debits so your payments can be automatically deducted from your nominated bank account.
Safety equipment
Safety is important when you’re on the road, no matter how skilled a rider you are. Having the right equipment is crucial, so you should be prepared to spend up to $1,200 or more on a helmet, riding jacket, pants, gloves and boots. These are necessities for protecting you when you’re on two wheels.
Insurance
Comprehensive insurance is compulsory on all bike loans. It protects your wheels in the event of accidental damage, crashes, theft, fires and floods. How much you pay will depend on where you live, the bike’s value and your riding history. It may be worth opting for insurance to cover your costly safety equipment as well as your bike.
Registration
Rego costs vary for motorcycles across states and territories. In Victoria, you can pay between $149 and $565 for motorcycle registration depending on where you store it and the size of the engine. Most jurisdictions require you to be 18 years old to register a bike, aside from WA, where you can be 16 years old.
Regular servicing
Whether you’re looking at a dirt bike or a touring motorcycle, it’ll need to be serviced roughly every 5,000km. Mechanics will check wear-and-tear to your tyres, braking, suspension and fluids. You should budget about $1,000 annually for these check-ups.
Fuel
How much petrol you churn through will depend on how you use your bike, but motorcycles are generally more fuel-efficient than cars. By opting for two wheels instead of four, you’re already saving money.
Getting pre-approved for a loan strengthens your hand when negotiating a price. This allows you to look at motorcycles within your price range and set a firm ceiling for the potential purchase price available from your chosen dealership or private seller.
Already having your supporting documents on hand will save you time when it comes to putting in an application. Make sure copies of your bank statements, payslips, driver’s licence and other relevant paperwork are saved on your smartphone or laptop and are easily readable.
You could be seen as less of a risk if you can put some skin in the game. Offering to pay a deposit may cut down the time a lender will take to consider your application and fast-track your outcome, as it reduces the overall risk they take on in lending to you.
When you apply, your lender will want to know how much you currently owe in other debts. The more you owe, the more time your lender is likely to take to consider your application. Applicants with more outstanding debt present a much greater risk, so not having any similar debts or defaults to be paid can speed this process up.