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Motorcycle loans for your dream bike.

Dreaming of a Harley? Or maybe a dirt bike? Our motorcycle loans can help get you in the saddle of a new bike… whatever your heart desires.


Motorcycle Loans

Rapid Loans will help turn the motorbike you’re thinking about into the bike you’re driving. Whether you find your dream bike at a dealer, or an auction, or parked on the street with a sticker in the window, wherever you find your next motorcycle, you’re going to need a bike loan provider who will help you get it quickly.

Rapid Loans offers online motorcycle loan solutions from $5,000 to $40,000 and we make the finance process simple, fast and secure. Apply for a bike loan online and our friendly, helpful loan consultants will help you find a motorbike loan solution that suits your needs. We can even grant up to 2 weeks of conditional pre-approval on your motorcycle loan.

Rapid Loans understands the needs of motorbike riders, which is the freedom of owning a bike that can take them anywhere. That is why our bike loan consultants assist with motorbike finance to give motorcycle loan applicants flexible and personalised services so that they can acquire their new or used bike as quickly as possible.

We provide motorcycle finance for tourers, private sales, and new or used bikes, city bikes and Harleys from dealers. If you are looking to own a bike, we can help you get access to a motorcycle loan through our vehicle finance options. Our bike loan services are tailored to individuals like you in search of buying a motorbike using finance.

Motorcycling is a long-term passion for a lot of people. Some people seek to satisfy their thirst for adventure by purchasing the bike of their dreams. Typical motorbikes might not cost as much as a car. Nonetheless, there are more expensive motorbike makes and models, especially when insurance, tax, and other requirements are added. One of the major advantages of buying a new motorbike using our motorcycle finance options is that you can pay the price at your own pace with agreed payment and loan terms. In other words, you do not need to have all the funds to pay for the bike immediately.

Motorbike finance makes it possible for you to purchase a new bike that may be slightly more expensive and helps you conveniently spread the cost of the bike across weekly, fortnightly, or monthly payments. With Rapid Loans, you can apply for finance so that you can conveniently buy your choice of bike even if you do not have all the funds up front to pay now.

While it may be tempting to shop with your heart when purchasing a new or used bike, considering the right finance option for your unique circumstance is important. Our two-week conditional motorcycle loan pre-approval gives you the space and time to research options up to a specific loan amount, look at different dealers or private sellers, and shop around for insurance.

A motorbike loan enables you to live the lifestyle you choose sooner, so you can start enjoying your new bike now with the option of weekly, fortnightly or monthly loan repayments. We are dedicated to providing everyday Australians with motorcycle finance that suits them and their needs. Our commitment to customer service is second-to-none and we’ll support you through every step of your bike loan application and, if approved, settlement.


Easy Application Form

Rapid Loans is committed to ensuring you get the right motorbike finance so that you can get on your bike fast with our quick and easy motorcycle loan application form.

Client Satisfaction

Client satisfaction is at the core of our service. We do the utmost to provide you with efficient and convenient bike loan services. Any loan process can be cumbersome, but it doesn’t have to be. With us, the journey to get finance for your bike is a smooth ride.

Trusted Lender

Rapid Loans is a trusted Australian finance lender with a 20-year history, combined with up-to-date technology and a can-do attitude. We are committed to offering our motorbike loan customers the very best service.

How it works

Apply Online

Complete our easy online application form. Don’t worry, we only need the important stuff to get you moving.

Upload Documents

Upload your important docs via our secure online platform. We’ll tell you what you need, and it only takes a few minutes.

We’ll Get In Touch

Your application will be reviewed and one of our friendly loan consultants will be in touch soon!

Receive Funds

If approved, have your funds faster than you can say Rapid Loans! If you applied in the morning, they could hit your account the very same day.


Frequent Questions

Find the answers you are looking for by browsing through a number of questions we get asked a lot.

Can I buy other motorcycle equipment with a motorcycle loan?

Whether you can buy motorcycle equipment with your motorcycle loan will depend on the terms of the motorcycle loan you have taken out. Some motorcycle loans may only be used to purchase the motorcycle itself, while others may allow you to use the funds for other motorcycle-related expenses, such as accessories, gear, or equipment.

It’s important to review the terms and conditions of your motorcycle loan before using the funds for any other purpose. Speak to one of our friendly loan consultants today to see if you can buy motorcycle equipment with a Rapid Loans motorbike loan.

In some cases, you may need to consider a different type of loan other than a loan for a motorbike to buy motorbike accessories or equipment.

Can I still get a loan if I’m buying a used motorcycle?

Yes, you can still get a loan if you’re buying a used motorcycle. At Rapid Loans, we are happy to offer motorbike financing for both new and used motorcycles, and the loan process is similar to obtaining a loan for a new motorcycle.

When applying for a motorbike loan to purchase a used motorcycle, we will look at such things as the value of the motorcycle, the age and condition of the motorcycle, your credit history and your financial situation. Some lenders may require an inspection of the motorcycle to determine its value and may adjust the loan amount based on the results of the inspection.

It’s important to compare the terms and conditions when applying for a loan to purchase a used motorcycle. Make sure to review the interest rate, repayment period, and any fees associated with the loan. At Rapid Loans, we offer secured motorbike loans, so it is important to keep up with your repayments, ensuring they are on time and if there is a chance you might miss one, you should let us know with as much notice as possible.

How do I get a motorcycle loan?

At Rapid Loans, we make it easy to apply for a loan for a motorbike.

Before applying for a loan for a motorcycle, you should determine how much you can afford to borrow and what you can afford to pay each week or month towards the motorbike loan.

Check your credit score. Your credit score can affect the interest rate and loan terms you are offered. Check your credit score before applying for a motorcycle loan so that you understand what it means. In some cases, if you have a bad credit score, there may be a higher interest rate associated with the loan.

When you apply for a bad credit motorcycle loan, we will ask you to provide proof of income, such as payslips or tax returns, as well as identification, such as a driver’s licence or passport. You’ll also need to be able to tell us about your financial situation, the amount of money you are requesting, and supply your income documents (i.e. payslips or Centrelink Income Statement).

When you are ready, you can use our quick and easy application form to apply for a loan for a motorcycle. The application form will ask you a range of different questions about your identity, income and expenses and about the motorcycle you intend on purchasing.

If you are approved for a loan, one of our friendly loan consultants will be in touch to let you know. They’ll ask that you review the loan offer carefully to ensure that you understand the terms and conditions and that you understand the repayment process.

If you accept the motorcycle loan offer, complete the loan process by signing the loan agreement and providing any required deposit. Keep in mind you’ll need to adhere to the repayment schedule so as not to fall behind and risk damaging your credit score.

As you can see, by following these simple steps it can be easy to apply for a motorcycle loan through us at Rapid Loans.

Are motorcycle loans the same as car loans?

Motorcycle loans and car loans are similar in some ways, but there are also some differences between the two. At Rapid Loans, both types of loans are secured by the vehicle being purchased and both require you to make regular repayments back to us.

However, there are some differences between motorcycle loans and car loans. For example:

Loan amount:
The loan amount for a motorcycle loan may be lower compared to a car loan due to the lower cost of a motorcycle compared to a car.

Repayment period: The repayment period for a motorcycle loan may be shorter compared to a car loan due to the lower loan amount.

Loan requirements: There may be different requirements for motorcycle loans and car loans, such as the age of the vehicle, and the type of motorcycle or car.

In general, a loan for a motorbike and car loans are similar in that they are both types of vehicle loans that require the borrower to make weekly, fortnightly or monthly repayments to the lender. However, there are slight differences between the two, and it’s important to compare the terms and conditions before you chose a loan to ensure you can meet the requirements.