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Motorcycle Finance

Fast, flexible finance for motorcycles, scooters, ATVs, and dirt bikes. Get approved quickly and hit the road.

Finance Options

Consumer Loan

Simple personal loan for your bike

Secured Loan

Lower rates using the bike as security

Chattel Mortgage

For business bike purchases

Benefits & Features

Quick approval (often within 24 hours)
Finance from $5,000 to $100,000
New and used motorcycles
Road bikes, cruisers, sport bikes, dirt bikes
Competitive rates from 6.99% p.a.
Flexible loan terms 1-7 years

How Long Does It Take?

Most motorcycle finance applications are approved within 24-48 hours. Simple applications can be processed in as little as a few hours. Once approved, settlement typically occurs within 2-3 business days.

Start Your Application

Eligibility Criteria

To qualify for motorcycle finance, you typically need:

  • Australian resident over 18
  • Valid motorcycle license
  • Regular income or employment
  • Comprehensive insurance required

Each application is assessed individually. We work with a wide range of lenders who cater to various credit profiles and circumstances.

About Motorcycle Finance

Motorcycle finance through Tofu Auto offers fast approval times and flexible terms for all types of motorcycles including road bikes, cruisers, sport bikes, adventure bikes, scooters, and dirt bikes. With loan amounts from $5,000 to $100,000 and competitive rates starting from 6.99% p.a., we make motorcycle ownership accessible and affordable. Whether you're buying from a dealer or privately, purchasing new or used, or even considering an imported bike, we have financing solutions to match your needs. Motorcycle loans are among our fastest processing applications, with many straightforward cases approved within 24 hours.

The advantages of financing your motorcycle through Tofu Auto extend beyond just competitive rates. We understand that motorcycle purchases often include essential accessories like riding gear, helmets, and security equipment - many lenders will allow these to be included in your loan amount when purchased with the bike. For motorcycle enthusiasts looking to upgrade regularly, our flexible loan terms from 1 to 7 years let you choose repayment schedules that align with your riding and financial goals. We work with lenders who understand the motorcycle market and don't view all bikes the same way - whether you're buying a learner-approved bike, a high-performance sports bike, or a custom cruiser, we have access to appropriate financing options.

Getting motorcycle finance starts with our quick online application. You'll need proof of income, identification, a valid motorcycle license, and details of the bike you wish to purchase. Once conditionally approved, you can shop for your motorcycle with confidence. Before final approval, you'll need to arrange comprehensive motorcycle insurance as this is a mandatory requirement for all financed bikes. We can recommend specialist motorcycle insurance providers if you need assistance. After you've found your ideal motorcycle and provided the necessary documentation, we finalize the loan and arrange payment to the seller or dealership. The entire process from application to riding away on your new bike typically takes 2-5 business days for uncomplicated applications. Your motorcycle finance specialist is available throughout to answer questions and ensure a smooth, hassle-free experience.

Frequently Asked Questions

Want a rare or imported motorcycle? Our sourcing service can help.

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$5k$200k
1 yr7 yrs

Estimated Monthly Payment

$0

Rate: 7.95% p.a. (estimated)

These are estimates only. Actual rates depend on credit assessment.