Bike and intended use
Road bikes, scooters and other eligible motorcycles may be assessed differently, particularly as they age.

Consumer finance
Tell us the bike, seller, budget and timing. A broker can compare suitable lender options.
What affects your options
The bike's age, value and seller can narrow the available options. Confirm those details and the budget before comparing repayments.
Road bikes, scooters and other eligible motorcycles may be assessed differently, particularly as they age.
Dealer and eligible private-sale purchases can involve different documents and settlement steps.
A deposit or trade-in changes the financed amount and may affect the loans available.
Ask which accessories can form part of the purchase figure and which insurance requirements apply before settlement.
Compare costs and conditions
Compare repayments, fees, conditions and any final payment together. An estimate is not a lender quote or approval.
Open repayment estimatorComparison rate and full fee schedule
Loan term and total repayments
Treatment of accessories and on-road costs
Early payout, extra repayments and any security requirements
Start without uploads. If you continue, a broker will explain which documents are relevant.
Common questions
Potentially. Vehicle age, value and lender policy will matter.
Treatment varies by lender and loan terms. Give the broker an itemised purchase figure.
Speak with a broker
Start online or call RateSmart. A broker will confirm the request and discuss suitable options. Submitting an enquiry does not lodge a credit application.