Finance Rates For Motorcycles | Jade Bike Loans
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Motorbike Loans - Interest Rates

Jade Motorbike Loans has a commitment to providing our bike loan customers with the cheapest interest rates available. You’ll be paying off your motorcycle finance over a number of years and every small reduction in interest rates that we can get for you when organising your bike loan, the more significant that becomes over the term of the loan.
  • Low interest rates on motorbike financing
  • Credit score not impacted
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Why Aussie's Choose Jade

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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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We Offer Low Interest Rates with Expertise and Advocacy for You

We’re regularly asked how can we get such cheap interest rates for our motorbike loans and how are interest rates calculated when a finance company agrees to extend credit. Australians seem to have an obsession with interest rates and much of the information available just leads to confusion. One mate says I heard this place offers great interest rates, another chime in with something else they saw on social media. So here’s the explainer.

Jade Motor Bike Loans can achieve these low interest rates because as professional finance brokers, we’re working for you. Your Jade consultant has only your interests in mind, not shareholders and company profits. When you are seeking credit to buy a motorbike, yes, the interest rate on the finance is very important, but it is only one element of your bike loan.

We are accredited with many lenders that extend credit for bike loans so we have a large selection of options to find you the best offer. Our consultants have expert negotiating skills and the massive bargaining power of Jade, which work together to get the great bike loan interest rates we offer.

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Determining Interest Rates

  • Interest rates on bike finance will vary across lenders due to their individual credit specialties, the credit guidelines for their company, their own access to funds, the way each lender prices their motorcycle loans and from the much wider perspective – international economic conditions.
  • Whether it is business finance or a personal loan.
  • The lenders understanding of the motor bike industry. If they regularly lend to bike owners, they will have a better insight than a company that doesn’t.
  • The type of bike, its condition and how you are going to use the motorcycle. That is, for work purposes on city roads, travelling on primarily sealed roads, off road, motor cross etc.
  • The price of the bike and the length of time that you are wanting to repay the bike loan.
  • Your individual credit profile, your personal risk assessment and other factors.
  • Jade has extensive experience in financing motorbikes, so we know which lenders will offer the best interest rates for bike loans. We approach those lenders first and negotiate one against the other until we get you the best offer.
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Your Jade consultant will answer any questions you have on motorcycle finance interest rates and when making you our best offer, prove that we do deliver on our commitment to cheap interest rates.

Speak with a Jade Motorbike Loans Consultant to discuss the best financial solution for your bike. Call 1300 000 003.

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 Rates FAQs

  • The interest rate on a motorcycle loan will depend on the lender, the strength of the individual application, the lending product, and the amount of the loan in relation to the price of the machine. Lender rates vary across the market. Secured loans attract different rates to unsecured loans. Applicants with strong financials and good credit scores are offered better rates than less than good credit score applicants. Applications are individually assessed by lenders to determine the rate they will offer.

  • A motorbike loan interest rate will not change if it is a fixed rate loan. Loans for motorbikes may be arranged with a fixed or a variable interest rate. A fixed rate remains unchanged over the full fixed term of the loan. A variable interest rate may change if the lender alters their rate for that lending product. Rate changes typically occur when the RBA announces a change to the cash rate.

  • To get the lowest bike loan interest rates, applicants should have a good credit score and strong financials. Lowering the size of the loan compared with the price of the bike may result in a better rate offer. Rates can be different from different lenders. Buyers may use a broker to find their lowest rate from a large number of lenders.

  • Motorbike loan rates may be fixed or variable, depending on the type of loan and the lender. Most secured format loans have a fixed interest rate. Unsecured loans may have a fixed or a variable rate.

  • A Comparison Rate is different from an advertised rate because the Comparison Rate includes some lender fees and charges.

  • A motorbike loan Comparison Rate is the interest rate calculated on a specific loan amount and term based on the lender’s advertised rate and when some lender fees and charges have been included. Displaying a Comparison Rate is required by all lenders offering consumer finance, under ASIC Consumer Credit Laws.

  • Secured motorbike loans for new machines will typically attract the best interest rates, compared with unsecured loans and finance for second-hand bikes. The specifics of the application and the lender will determine the rate offer.

  • The specific motorcycle model does not directly affect the bike loan interest rate. All types of motorcycles can be financed with the same loans and attract the same rate. The exception being used models which attract typically a higher rate than new models.

  • Used bike loan rates are not usually the same as new bike loan rates. Lenders offer better rates on new goods than used goods. The age and condition of the bike will be assessed by lenders when assessing the application and preparing a loan and rate offer.

  • The amount of a loan can affect the motorbike loan interest rate offer. When assessing applications, lenders look at the amount of the loan compared with the price or value of the machine. This is the loan-to-value ratio. Lenders will be want assurance that should the borrower default on the loan, the value of the bike they can recoup through repossession and sale, will be in line with the outstanding loan payments. Making a downpayment to reduce the loan required, may contribute to a better rate.