Love life on two wheels? Talk to the experts about a motorbike loan today
If you find yourself daydreaming about that one motorbike you’ve always wanted, it might be a sign that it’s time to make that dream a reality. Applying for motorbike finance has never been easier than with Focus Finance.
With so many lenders on our panel and free, no-obligation pre-approvals, we can help you out whether it’s for recreational use, daily transport, off-roading or simply because you need it!
We’ll be with you every step of the way, handling everything from start to finish to ensure you drive away in your new set of wheels before you know it. So, what are you waiting for? Contact us today and kick your motorbike purchase into gear!
Why Focus Finance?
More choice
With access to over 50 of Australia’s top lenders, we’ll be able to compare more options to find the best one available to you.
Convenience
We do all the hard work for you in comparing loan products, interest rates, fees and lending criteria, saving you time and effort.
A modern approach
We make use of industry-leading technology to help connect you with your ideal lender as quickly as possible.
Personal touch
Your consultant will guide you through the whole process, keeping you informed and answering all your questions along the way.
Understanding
You won’t be treated like just another number. We make sure we understand your needs to find you the solution you’re after.
Brands you can trust
We’re accredited with reputable insurers, banks and non-bank lenders, so we’ll only connect you with trustworthy financiers.
The types of motorbikes you can buy through Focus Finance
We can help you finance all sorts of two-wheelers, including:
Adventure bikes
Cruiser bikes
Off-road bikes
Quad bikes
Scooters
Sport bikes
Touring bikes
Motorbike Loan Eligibility Criteria
While exact requirements vary between lenders, here are the key criteria you’ll typically need to meet when applying for a motorbike loan:
Age & Residency – You must be at least 18 years old and an Australian citizen, permanent resident, or eligible visa holder.
Stable Income – Lenders require you to earn a consistent income above their minimum threshold to ensure you can manage repayments.
Employment & Banking – A steady job and having your income deposited into a bank account are essential for approval.
Credit Score – Your credit history should meet the lender’s minimum credit score requirements to demonstrate financial responsibility.
Vehicle Eligibility – The motorbike you’re financing must meet the lender’s age, condition, and value criteria.
At Focus Finance, we work with a panel of trusted lenders to find the best loan for your circumstances. Our consultants will guide you through the process and match you with a lender that suits your needs.
Documents Needed for Your Motorbike Loan Application
While requirements can vary between lenders, you’ll typically need the following documents to apply for a motorbike loan:
- Identification – A valid driver’s licence or another government-issued photo ID, such as a passport and/or Medicare card.
- Proof of Income – Your last two payslips to verify your earnings and financial stability.
- Bank Statements – Some lenders may request 3 months bank statements as a part of their assessment.
- Vehicle Details – If you're financing a specific motorbike, having information about its make, model, age, and value can speed up the approval process.
Your Focus Finance consultant will guide you through the process, ensuring you have everything needed to secure the best loan for your situation.
The benefits of taking out a motorbike loan
Buy new or used, dealer or private sale: regardless of where you’re buying your motorbike from and whether it’s used or brand-new, we can help you finance it (provided it meets the criteria of one of our lenders).
No upfront cash needed: because you can borrow up to 100% of your bike’s purchase price, you may not need to pay any of your savings upfront.
No upfront cash needed: because you can borrow up to 100% of your bike’s purchase price, you may not need to pay any of your savings upfront.
Don’t be constrained by your savings: by spreading out the cost of the purchase over a longer term, you may qualify for a more expensive bike than you could manage using only your savings.
Frequently Asked Questions
In most cases, you can pay your loan out early by making additional payments or a lump sum before its scheduled end date. However, these loans generally come with early repayment fees, so make sure you know exactly what fees will be charged before you apply. You can speak with your Focus Finance consultant about flexible repayment options when you apply with us.
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