All Jade motorcycle loans feature our signature cheapest interest rates as the basis of the finance deal.
Secured Motorcycle Loans
Jade Motorbike Loans offers secured personal loans to individuals who are buying a motorcycle for their private use. A leasing specialist in motorbike finance solutions, Jade Motorbike Loans provides cheap bike loans at our signature low interest rates for both new and used motorcycles.
Why Aussie's Choose Jade
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.
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.
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.
Diverse Financing Solutions for Bike Enthusiasts
You may think your bank or a consumer finance company are your only options for a personal loan for a bike. That’s not correct. As a finance broker, Jade’s services are available for both individuals and businesses and both benefit greatly from our great financing deals.
From your initial enquiry call to Jade Motor Bike Loans, you’ll quickly appreciate the difference of having a broker working in your best interest to source you credit for your bike purchase. We’ll negotiate the cheapest interest rates and best loan terms possible as well as handle the paperwork to save you time, hassle and money!
A Secured Bike Loan is the most popular loan for individuals purchasing motorbikes as it provides you with fixed elements for certainty and your Jade consultant can structure the loan to suit your purchase.
Secured Motor Bike Loans: Key Features
If you would like to know what monthly repayments you’ll be up for and therefore decide your new bike budget, your Jade consultant can arrange pre-approved motorbike finance. For more information on Secured Motorbike Loans, please contact one of our consultants for an obligation-free discussion.
Speak with a Jade Motorbike Loans Consultant to discuss a finance solution for your motorcycle. Call 1300 000 003.
The interest rate is fixed for the term of the bike loan.
The term of the loan is fixed, from 1 year/12 mths to 4 years/48 months. Your Jade consultant will work with you on establishing what term best suits your requirements.
For used motorbikes, some lenders will take into consideration the condition of the bike and valuation when offering a loan term.
The term of the loan and the total amount of the loan will determine your monthly repayments.
Once agreed upon, the monthly repayments remain fixed for the term of the loan.
The lender uses the motorbike as collateral/security against your bike loan. Once you have finalised all payments, including any balloon if included, the lender releases the security and the bike is unencumbered.
During the term of the loan, you have possession and ownership of the bike and are responsible for all operating costs, rego, insurance etc.
This type of loan allows you to make additional payments so you pay for your bike earlier.
If you choose to pay the loan out in full before the designated end of the bike loan term, ‘break fees’ usually apply. These are fees charged by the lender and vary from lender to lender.
Fast loan approvals are available.
No deposit is required by the lender. 100% of the purchase price of the bike can be financed.
| 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 |
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Jade
Motorbike Loans
|
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| 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.
Secured Motorcycle Loans FAQs
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Secured motorbike finance is secured when the lender accepts the machine being purchased as loan collateral. With the bike as collateral, the lender has the security that they will be able to recoup outstanding payments if the borrower defaults on the loan. Most new models and good quality second-hand models are readily accepted as finance security.
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Loan collateral is an asset or assets which are offered by the borrower as security for finance extended by a lender. Collateral may be assets, real estate, cash or in some cases, a personal guarantee. The collateral may be the goods being financed as with secured format loans. Collateral requirements are determined by lenders when assessing finance applications.
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Secured Motorcycle Finance uses the machine being financed as the security or collateral for the loan. The security is the lender’s assurance. New motorcycles and quality used models are typically accepted as loan security. Most borrowers will not need to provide additional assets as loan collateral.
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To be eligible for secured motorcycle finance, applicants must meet the Consumer Credit Law requirements and the individual lender’s criteria. Requirements include being employed or have an income stream from other sources, being over 18 years of age, meeting residency criteria, and providing personal financials and other information. Lender criteria may include loan limits, minimum credit scores, and income limits.
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The difference between secured and unsecured loans is the collateral provided by the borrower against the funds being borrowed. Secured loans require collateral. This is usually provided with the goods being financed. Unsecured loans do not require collateral to be provided. With no collateral as the lender’s security, unsecured loans attract higher rates and may have maximum loan limits below the level of secured loans.
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Insurance is required with Secured Motorcycle Finance as an assurance to the lender. Should the motorcycle be critically damaged or written-off, lenders have the assurance that they can recoup monies owed via the borrower’s insurance claim. Comprehensive insurance must be current for the full term of the finance.
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The minimum age to be eligible for secured motorcycle finance is 18 years. This is a stipulation in the Consumer Credit Laws which are regulated by ASIC. Lenders offering consumer loans must abide by ASIC regulations when approving finance.
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A pre-approved loan is finance which has the application approved by a lender prior to applicant purchasing the motorcycle. The loan application is submitted with all the required documents and an estimate of the loan amount required to make the purchase. Lenders will want an indication of the details of the bike being considered. Specifically, the price range and whether it is new or used. Buyers can receive conditional approval with a confirmed borrowing limit and repayments based on current rates. Details are finalised after the purchase.
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A secured bike loan will include fees and charges from the lender. These include a Loan Establishment Fee and may include other charges. Fees can vary with lenders. Broker fees will also apply. All fees are detailed when a quote is requested.
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Interest rates on Secured Bike Loans vary with different lenders. The rates can be highly competitive as the lender has the motorcycle as the loan collateral. The rate is typically at a fixed rate.