Motorbike Finance Bad Credit | Jade Bike Loans
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Motorbike Finance Bad Credit

Bad credit doesn’t have to leave you as a pillion passenger forever. Or scrimping to save the full amount to pay cash for your motorcycle. Jade Bike Loans receives calls from clients with a bad credit history or poor CRA report every day, asking for assistance in securing their finance for a motorcycle and we can proudly say, that we succeeded in offering some of these a motorbike finance package for their motorcycle purchase.
  • Low interest rates on motorbike financing
  • Credit score not impacted
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Why Aussie's Choose Jade

EXCELLENT
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Based on 1,142 reviews
 
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How Do We Get Interest Rates So Cheap?

The short answer – with our outstanding negotiating skills combined with the strong bargaining power that we exert across our network of lenders, backed with our steely determination to never be beaten on interest rates. Your Jade Bike Loans consultant is focused purely on delivering the best outcome for your motorcycle loan, at the cheapest interest rates.
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What Sort Of Motorbikes Do We Finance?

Daily Suzuki rides, off road Kawasaki fun machines, on road, trail bikes, classic Harley Davidson, high performance Japanese sports bikes, powerful BMW tourer, Ducati, Honda, Yamaha, Triumph, Moto Guzzi – we love them all and finance them all. Standard models, limited releases or custom specials. New, used, private seller, dealer sale or buying from an online marketplace – we will finance your ride.
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A Company You Can Trust!

As an experienced finance broker, our allegiance is to you, our customer, not to achieving profits for shareholders of the banks and lenders. We are a well established Australian owned business with a proud heritage in delivering effective, cheap loans to the motorbike riders and enthusiasts for many years. We have built a strong network of lenders and banks, many invite only, industry only sources and we continue to grow our reputation with every new bike loan.
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Bike Loans For Bad Credit

Give us a call and open the conversation. It won’t take you long to realise that you are dealing with a company, with people that truly understand your circumstances and they also know bikes. While many banks have stringent rules as to what they can and can’t do when it comes to bad credit applicants, we could have solutions with much greater flexibility.

Through our accreditation with many major lending organisations, we can access a massive amount of choices in lending products, so we can select exactly the right one to suit your specific application.

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Tailored Bad Credit Bike Finance

We’re not about just ticking boxes and filling out forms. We’re about talking to our clients, appreciating their individual circumstances and structuring their loan applications to achieve the optimum outcome. With skill, expertise and a massive dose of determination, your Jade broker will work through the obstacles and handle all the details for you to the point of presenting you with great bad credit bike finance options.

We’ll work through the fine print with you and if it all meets your requirements, we’ll then mediate on your behalf with the lender through the application process.

Leave the details to Jade & get on with your life. Dealing with this type of situation, especially with a bad credit history, can be time-consuming and frustrating and let’s face it, you’re better off spending your time at work, earning money and leaving your Jade broker to handle the finance deal for you.

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Discreet, confidential, and understanding – you may have bad credit, but we make it our business, not your issue!

You can start by using our online bike finance calculator for a ballpark estimate on your loan then call our consultants and get the deal moving.

Don’t let bad credit keep you off the road. Call Jade on 1300 000 003 and let us source you a great finance deal.

Lender Loan Product Advertised Rate Comparison Rate Monthly Repayment
Jade Motorbike Loans 5.67%Secured 6.10%Comparison $575.39 MONTHLY
Heritage Personal Loan 8.49%Fixed Rate 9.12%Comparison $615.35 MONTHLY
Westpac Personal Loan 7.99%Fixed Rate 9.18%Comparison $608.15 MONTHLY
CBA Personal Loan 7.50%Fixed Rate 8.20%Comparison $601.14 MONTHLY
Bendigo Personal Loan 7.79%Unsecured 8.51%Comparison $605.28 MONTHLY
BOQ Personal Loan 10.99%Fixed Rate 11.71%Comparison $652.12 MONTHLY
ANZ Personal Loan 7.49%Fixed Rate 8.18%Comparison $601.00 MONTHLY
Jade
Motorbike Loans
5.67%Secured 6.10%Comparison $575.39 MONTHLY
Heritage
Personal Loan
8.49%Fixed Rate 9.12%Comparison $615.35 MONTHLY
Westpac
Personal Loan
7.99%Fixed Rate 9.18%Comparison $608.15 MONTHLY
CBA
Personal Loan
7.50%Fixed Rate 8.20%Comparison $601.14 MONTHLY
Bendigo
Personal Loan
7.79%Unsecured 8.51%Comparison $605.28 MONTHLY
BOQ
Personal Loan
10.99%Fixed Rate 11.71%Comparison $652.12 MONTHLY
ANZ
Personal Loan
7.49%Fixed Rate 8.18%Comparison $601.00 MONTHLY

THE COMPARISON RATE IS CALCULATED ON A SECURED LOAN OF $30,000 FIXED FOR A TERM OF 5 YEARS, EFFECTIVE 09/05/2026 AND SUBJECT TO CHANGE. WARNING: THE COMPARISON RATE IS TRUE ONLY FOR THE EXAMPLES GIVEN AND MAY NOT INCLUDE ALL FEES AND CHARGES. DIFFERENT TERMS, FEES OR OTHER LOAN AMOUNTS MAY RESULT IN A DIFFERENT COMPARISON RATE.

We work harder to secure the best rates.

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Motorbike Finance Bad Credit FAQs

  • A bad credit motorbike loan is finance for a person or business that has poor credit score or rating. This is not a specific type of loan. It is a description of the loan applicant.

  • Bad credit is assessed by lenders based on reports obtained through Credit Reporting Agencies. These agencies collect reports from lenders and businesses about the payment history of an individual or business. Late payments, multiple loan applications and loan defaults are reported. The agencies assess the information and calculate a credit score for the individual or business. This score and/or rating is the assessment used by lenders.

  • The interest rate on bad credit motorbike finance will be determined by the lender after assessing the individual application. Applicants can expect a higher rate than is offered to applicants with good credit and the best available rate advertised by lenders.

  • Bad credit applicants may apply for the full selection of motorcycle loan products. These include secured and unsecured loans for personal finance and Lease, Chattel Mortgage and CHP for businesses. Approval of the application is subject to the lender.

  • Subject to lender approval of individual applicants, all types of motorcycles may be financed by buyers with credit issues.

  • A bad credit rating is determined by Credit Reporting Agencies with their reports accessed by lenders when assessing loan applications. The agencies use a formula to calculate the rating based on the reports of late payments, defaults and other credit issues submitted to them.

  • Credit ratings may be improved by fixing any errors which may appear in credit reports. Ratings may also be improved by maintaining a good payment history for some time. Payment histories to lenders as well as utilities companies, telcos, streaming services and other suppliers may be reported to agencies.

  • The collateral required as loan security for applicants with credit issues will be determined by the lender. Applicants can expect that assets in addition to the bike being financed, will be required as loan collateral.

  • Businesses with credit issues may be approved for a motorbike loan, subject to lender consideration of the individual application.

  • To apply for motorcycle finance with credit issues, applicants will need to meet the standard criteria for personal loans or business finance. Documents relating to the financial position are required. These include tax returns, payslips or proof of income, personal information, bank statements and similar documents.