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Trusted by over 50,000 Australians
- No impact on credit score
- Low rate motorcycle finance
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Faster, Easier Way to Compare Motorbike Loans, Secure the Cheapest
At Jade, we understand and embrace the passion and enthusiasm that bike owners have when it comes to buying a new ride. We’re specialists in finance for two wheels, so we get it. For many enthusiasts, their motorbike is far more than a form of transport, it’s a treasured possession. But that treasured possession still needs to be purchased with the cheapest finance. We ensure more riders have access to ownership by offering cheaper rates, cheaper loans and a much faster and easier route to securing the loan. When sourcing finance for our customers, we pay attention to the same the specs you look for when selecting your new ride – efficiency, speed, customisation, power, efficiency, value and performance.
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Australia's best motorbike finance. Get your rate today.
No Credit Check Performed | 2 Min Quick Quote
Are You Eligible for Low-rate Motorbike Finance?
Simply answer the questions that follow to see if you qualify:
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Efficient, Fast Bike Loan Approvals
As a broker-style lender specialising in this area of finance, we operate differently from what you may have experienced when applying directly to a bank or finance company. We focus on you and sourcing the best credit solution at the lowest rates, that matches your profile and specifications. We bring not one but hundreds of credit products into the mix to compare. Accredited with over 60 credit providers, we offer more choices, better prospects to find the cheapest option. We’re not a ‘list provider’ that simply gives customers a list of options for them to work out which is best for them. We do the scrutinising of all the options, negotiate with our lenders, present you with the best offer and on acceptance process your application.
25 Years of Excellence
What is the Comparison Rate?
Seeing two rates displayed – advertised and comparison, may be confusing. Here’s the difference. The Comparison Rate is the rate calculated on the specific example as indicated, using the advertised rate and adding in some lender charges and fees. It’s a legal requirement for all lenders to show both rates. Call 1300 000 008 today.
No Credit Check Performed | 2 Min Quick Quote
Make the Most of Our Expertise – Cut the Waiting, Hassle and Time-wasting
We know motorcycle owners can be very particular about who they let work on their machine. Why would sourcing the means to buy a new machine be any different? By taking full advantage of our specialised credit sourcing service, buyers enjoy the benefits and advantages of having our experts handle the entire process of sourcing the best offer. An aspect of comparing quotes often overlooked is having the acumen to understand the detail and differentiate offers. We provide that acumen by scrutinising the market to source the best and provide a full explanation of the details so our customers can proceed to making well-informed decisions.
Trusted by over 50,000 Australians
Finance for your future.
Accredited Partner
Bad Credit Bike Loan Options – Yes there can be options!
Many lenders just say NO to applicants with credit problems. We say, YES, we’ll have the conversation and go through the options with you, confidentially and with no judgment.
Australia's best motorbike finance. Get your rate today.
No Credit Check Performed | 2 Min Quick Quote
Our customers say
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General Motorbike Finance FAQs
Jade Finance handles every loan individually, please feel free to contact us via email
or phone on 1300 000 008 to direct your specific issues to our consultants.
What are the different types of bike loans?
Both secured and unsecured loans are available for the purchase of motorcycles. The Secured Bike Loan is the most widely-used as it suits most buyers and most new and some used machines. The machine is accepted as security. Where the credit provider does not accept the machine as security, buyers have the option of an Unsecured Personal Loan.
Does a bike loan for new machines differ from a loan for a second-hand bike?
The condition of a used machine will be taken into account when the credit provider assesses the credit application. If the used machine is considered suitable security, a Secured Loan will be a suitable form of credit. Secured loans are commonly used for all new machines. The interest rate offered for credit for used machines may differ from that offered for new machines. The rates displayed by lenders are stipulated as being for new goods.
Are racing models eligible for bike financing?
Yes. Credit is available for the purchase of all types of machines from all brands. Lenders assess the goods being acquired when working out any offer. The purpose or use of the machine may not necessarily be considered as integral to the credit conditions. However, insurance is required with secured credit products. Insurers may consider the use of the goods when quoting insurance premiums.
Why are the advertised interest rates for motorbike financing lower than the Comparison Rates?
The Comparison Rate is the rate arrived at when certain fees and charges are included and is calculated based on a specific example. The Comparison Rate uses the advertised rate then has the added charges allowed for and the rate calculated on the amount as shown over the term as shown. The advertised rate does not include fees and charges.
Is a loan for bikes available for new riders?
The riding ability and experience of the loan applicant would not usually form part of the application assessment process. Applicants for credit, however, must be over the age of 18 according to Australian Consumer Finance Laws. New riders who are over 18 can apply for credit. The credit profile would be assessed when an offer is being derived. Where the applicant is young and does not have a significant credit profile, the option of using a guarantor may be considered.
Is insurance required when using finance for bikes?
When a machine is purchased with a secured form of credit, the provider will require that comprehensive insurance is taken out on the goods. The insurance must be renewed each year over the term of the credit. Credit providers will require customers to provide insurance policy numbers and renewal notifications as confirmation.
Can financing for bikes be organised before the purchase?
Yes. When an application is submitted prior to the goods being selected or a purchase commitment made, this is generally referred to as pre-approved. The applicant may estimate how much money they think they may require for the purposes of getting approved. The application is assessed and approval for that amount provided. Pre-approved offers are valid for a certain amount of time as indicated by the provider. If the offer expires, it would need to be re-quoted if required at a later stage.
Is a deposit always required with a bike loan?
The entire cost of the purchase may be included in the loan, subject to lender approval. This is commonly referred to as no deposit credit. The credit provider does not request a deposit and approves the credit for 100% of the purchase amount. This is subject to a review of the credit profile to confirm the ability to handle that loan amount. Some providers may also permit accessories and extras to also be included in the total amount.
