Unsecured personal loan
Borrow without using an asset as security.
Keep in mind: Repayment obligations remain. Compare fees, interest and the full cost.
Explore this option →Leisure · A CLEARER STARTING POINT
Motorbike Finance
Explore motorcycle finance with the bike, seller and real cost of ownership in view.
Explore the information first. Our team can help you understand the next step.
Your initial profile review won’t affect your credit score.
How credit checks work
The initial review does not involve a hard credit enquiry. If you choose to proceed, a formal credit application may involve a hard enquiry, which can affect your credit score.
THE ESSENTIALS
Your finance essentials.
Tell us about the asset and the budget you have in mind. Our team can explain what information is needed and discuss possible next steps after review.
- Purpose
- Planning the purchase of a new or used motorcycle.
- How it works
- Discuss the bike, seller and budget alongside the proposed finance terms.
- Security to understand
- Ask whether the asset secures the loan and which ownership, registration and insurance requirements apply.
- Costs to compare
- Compare the interest rate, applicable comparison rate, fees, term and total repayments. Ask about early payout charges.
A LITTLE MORE CLARITY
Understand the finance and the purchase separately.
These explanations help you understand the differences. They do not select a product for you.
Explore related funding structures
Secured personal loan
An accepted asset supports the loan.
Keep in mind: The asset may be sold if repayments are not met. A lower total cost is not guaranteed.
Explore this option →Vehicle and leisure buying questions
Prepare the asset details, seller information and an itemised budget.
Keep in mind: Finance does not replace condition, compatibility or ownership checks.
Explore this option →A situation you might recognise
ILLUSTRATIVE EXAMPLE
You have found a bike and want a budget that includes ownership costs as well as repayments.
The team would discuss the purpose, information available, costs and repayment obligations before any next step. This illustration is not a client story, offer or approval.
Before you decide
Registration, insurance, maintenance and riding gear add to the purchase cost. Check any extras separately.
ASIC Moneysmart: personal loans ↗GETTING READYA little preparation.
A little preparation.
A better conversation.
You don’t need to have every answer before contacting us. Start with your goal and our team will explain what information is needed.
For this particular request
Bike specifications, age, seller quote, deposit and itemised accessories or equipment.
If you are employed
- Recent payslips and the details of your employment.
- Income statements and evidence of regular commitments, as requested.
If you work for yourself
- Available tax returns, accounts, BAS or business statements.
- How you pay yourself, seasonal changes and existing commitments.
Self-employed consumer finance: accountant’s letter option
Self-employed and applying for a car for personal use, a personal loan or another eligible consumer purpose? If your last two years of tax returns are not yet complete, an accountant’s letter may be accepted as the income document for eligible finance options.
Ask our team about an accountant-letter-only income verification option. Identification and other standard application information may still be required. Availability is subject to product criteria, assessment and approval.
These are conversation checklists, not the final application requirements. Our team will confirm the relevant records and periods.
What should I tell the team?
Your goal, preferred timing, and any circumstances you would like us to understand. Share sensitive documents only through a verified, approved process.
NO GUESSWORK REQUIRED.
Your questions, welcome.
What should I confirm about the asset before committing?
Check ownership, identifiers, condition, seller details and any existing finance or registered security interests. Include trailers, accessories, delivery and ongoing costs in your budget. Finance assessment does not replace an independent condition or suitability inspection.
Can I enquire before choosing a motorbike?
Yes. Tell us your approximate budget and preferred timing. A quote and asset details will help once you have chosen one.
Does finance include my riding gear?
List the bike and any extras separately. Ask the team what can be considered and budget for registration, insurance and safety gear.
Can I buy from a dealer or private seller?
Tell us who is selling and provide the asset details. Seller and asset requirements need to be confirmed before you commit.
What rate and fees would apply to me?
These depend on the product and your individual assessment. Ask for the rate, fees, repayment schedule and total cost in the proposed terms before deciding.
Can I start with a quick question?
Yes. Choose the short enquiry to share your goal and contact details, or take the full application path if you have more time. The team can clarify what is needed next.
Still wondering about something?
Share a little about your plans, or complete the full application if you’re ready.
Choose how to get started →