If it’s in your blood, we’ll get you on it.
Motorbike finance in Perth
Motorbike finance in Perth, arranged by our experienced (motorbike loving) brokers.
Motorcycle enthusiasts know that the feeling of having only your motorbike and the open road for company, is incomparable. No matter what your reason for needing or wanting a new or used motorbike is, Yes Loans can help make your need a reality today.
4.8 from 300+ reviews
Brokers in Victoria Park since 2009
One application, the whole lender panel
Get your personalised rate
“*” indicates required fields
"*" indicates required fields
Flexible motorbike finance at competitive rates
Yes Loans specialises in competitively-priced loans, that will have you on your bike and on the open road as quick as possible. A Yes Loans broker will take you through the motorbike loans application process.
Cheaper
to run than a car
Many bikers opt to use a motorcycle to travel to and from work, for ease of access as well as being cheaper to run than a car.
Straight through
the commute
Riders get through congestion and into a parking bay in a fraction of the time, which is why so many Perth commuters end up on two wheels rather than four.
Incomparable
on the open road
Motorcycle enthusiasts know that the feeling of having only your motorbike and the open road for company, is incomparable.
Talk to a broker who rides
As always, our experienced (motorbike loving) brokers are on hand to get you the motorbike loans to make your bike ownership possible. That’s why you need to meet our team.Learner legal to litre bikes
What you ride decides the loan
Two things settle a motorbike application before your income is even looked at: what your licence lets you ride, and whether the bike can be registered. Pick the closest match and we will tell you how a lender reads it.
Learner legal, on a LAMS bike
The most common leisure loan we see. Full ensuite, full kitchen, built to live in for weeks at a time. It is also the type where the tow vehicle question decides the budget.
Price band
Commonly $5,000 to $14,000
Weight
R-E, Western Australia’s restricted class
Loan term
Secured, once it is registered in your name
How lenders see it
Small capacity, road registered and simple to value. Lenders assess it as an ordinary secured vehicle loan, so a first bike does not have to cost you rate.
Watch for
A bike restricted or modified to sneak under the limit is not LAMS approved. Transport WA will not reclassify it, and your insurer reads the compliance plate rather than the invoice.
Naked and sport bikes
The most common motorbike loan we see once the restricted period is over. Bought to commute on through the week and to enjoy on the weekend, which is exactly the use the live page describes.
Price band
Commonly $12,000 to $30,000
Weight
R, the unrestricted class
Loan term
Secured against the bike
How lenders see it
Well known models hold value predictably, and that predictability is what a secured rate is really pricing. The strongest security of the five.
Watch for
Buying the bike before the licence. A lender securing against a motorcycle needs it registered and insurable in your name, and that starts with the licence, not the invoice.
Adventure and touring bikes
Built for the run to Kalbarri and the gravel after it. Tall, comfortable, loaded with luggage, and usually kept for a long time, which is a shape lenders like.
Price band
Commonly $18,000 to $45,000
Weight
R, the unrestricted class
Loan term
Secured, and the luggage goes on the same invoice
How lenders see it
Strong resale and a long ownership cycle. Accessories are normally financed with the bike rather than after it, so the whole build lands on one loan.
Watch for
Panniers, a screen, crash bars and a set of knobblies fitted after settlement are a separate purchase at a separate price. Get them onto the invoice up front.
Cruisers and big tourers
Heavier, more expensive, and usually the bike somebody has been planning for years rather than buying on a Saturday. Often bought with a trade-in against it.
Price band
Commonly $15,000 to $50,000
Weight
R, the unrestricted class
Loan term
Secured against the bike
How lenders see it
Long-established models with a settled resale market, generally bought by riders with settled credit files. That combination tends to make for a straightforward application.
Watch for
A trade-in with money still owing on it. Get the payout figure and the PPSR on your existing bike sorted before you start, or settlement waits on them.
Dirt bikes and off-road
Motocross, enduro, farm and trail bikes that never get a plate. Financeable, and financed differently, and this is the part of a motorbike purchase that most often surprises people at the last minute.
Price band
Commonly $6,000 to $20,000
Weight
None needed, if it never leaves private land
Loan term
An unsecured personal loan, not a secured bike loan
How lenders see it
A lender cannot take security over something that is not registered, so an off-road bike is financed unsecured. That costs more than a road bike of the same price, and it is normal rather than a problem.
Watch for
Being told an off-road bike gets the same rate as a road bike. It does not, and anybody saying so has not read the lender’s policy. Ask which product you are actually being quoted.
Not sure which side of the line your bike falls on? A registered bike can be held as security and an unregistered one cannot, and that single fact decides which loan you are offered. Send us the make, the model and the year and we will tell you before you go anywhere near a dealer.
Motorbike loans calculator
What the bike costs you a week
Put the price and the deposit where yours actually sit, then push the rate around until the weekly number is one you would be happy to watch leave the account every Friday. A broker turns that into a real quote.
We are a broker, so we do not set this. Lenders do, per file, and an unsecured off-road bike will sit higher on this slider than a registered road bike. Move it to whatever you want to test and your broker will come back with the rate a lender will actually write.
A calculation floor has been applied to keep this estimate realistic.
Dealer, used or private sale
Where the bike comes from changes the file
The product does not change between the three. What changes is the evidence a lender asks for, and how many years of term the bike’s age leaves on the table.
New, from a dealer
The easiest of the three files. A new bike’s value is not a matter of opinion, so there is nothing for a lender to argue with.
What the lender wants
The dealer’s invoice, made out to you. That is very nearly the whole file.
Term available
The full term, on any road registered bike.
WATCH FOR
Finance quoted at the counter as a weekly figure and nothing else. Ask which rate produces it, what fees are folded in, and whether a lump sum falls due at the end. A weekly number by itself cannot be compared to anything.
Used, from a dealer
Close behind a new bike, and closer still on a late model with a stamped service book.
What the lender wants
The invoice, plus the bike’s build year, VIN and compliance plate.
Term available
Set by the bike’s age rather than by your file. This is where a term gets cut short.
WATCH FOR
A bike that trips the lender’s age limit partway through the term you asked for. Worth checking first, because it is knowable in advance.
Private sale
Where most second hand bikes in Perth actually change hands, and where the value usually is. The same secured rates apply.
What the lender wants
A PPSR search showing no money owing, proof the seller owns the bike, and the seller’s bank details.
Term available
The same as a used purchase from a dealer.
WATCH FOR
Paying a deposit before the PPSR search comes back clear. Photograph the compliance plate and the engine number too, because a re-birthed frame is a great deal more common on bikes than on cars.
A lender counts the bike's age at the end of the term, not today
The age that matters is the one the bike reaches on your final repayment, not the one on the compliance plate today. A well kept ten year old bike finances comfortably over three years and can fall outside policy over seven, on nothing but that arithmetic. It is the most common reason a used motorbike application is knocked back, and a broker can check it in about a minute.
Bad credit, first bike, self-employed
The bike loans a bank refuses and a panel writes
A bank runs one credit policy, and a motorbike sits awkwardly inside it: a small loan, against an asset that depreciates quickly, assessed by a team who mostly see cars. A panel is a different proposition, because somewhere on it is a lender whose policy already has room for both you and the bike. Every answer below carries a condition, because the honest ones do.
Your first bike, and no credit history
The most common motorbike file we see. No history is not bad history, but it is unproven, so a lender reads income stability and savings conduct instead. A deposit does a great deal of work here.
A default already listed against you
Paid or unpaid, a listed default does not end a bike application. It moves the rate, and usually the deposit, and on a loan this size a deposit is a smaller ask than the same percentage would be on a car. Put a higher rate into the estimator above and you will see what that costs a week.
A young ABN, under two years old
Twelve months of trading is enough for part of the panel, read off your BAS and your bank statements rather than two full years of returns. On a bike sized loan that is a shorter conversation than the same file would be against a mortgage.
FIFO rosters and swing work
Ordinary in Western Australia, and a bike is often the thing sitting under a cover for the three weeks you are away. A lender who reads rosters properly assesses the whole income rather than the base, and does not treat a quiet month of spending as a warning sign.
The bike is for the business
Couriers, trades and delivery riders finance bikes through the business all the time. If it genuinely earns its keep, a chattel mortgage may be the better structure. Speak to your accountant first, then bring us the answer.
You already have a bike loan
If the rate was set at a dealer counter three years ago it is worth a second look, particularly if your credit position has improved since. Refinancing a bike loan works the same way as refinancing a car loan.
What else is on the invoice
Ride away, not just the bike
The purchase price is the part everyone budgets for. These four are the part that turns a comfortable repayment into an uncomfortable month, and every one of them can be financed with the bike if it goes on the invoice at the time of purchase.
Registration and compulsory third party
In Western Australia the vehicle licence fee and the compulsory third party cover are paid together, and they start the day the bike goes into your name rather than the day you first ride it.
Vehicle licence duty
Charged on the value of the bike when it is transferred to you. On a private sale it lands on the buyer, so budget for it before you agree a price rather than after.
Comprehensive insurance
Not optional on a secured loan. The lender holds the bike as security, so cover has to be in place from settlement. We arrange insurance as well, so it does not have to be a separate errand.
The gear
Helmet, jacket, gloves, boots, and an intercom if you tour. It is the cost riders leave out of the budget most often, and it is the one standing between you and the road surface.
All of it can go on the loan, if it goes on the invoice
Gear, luggage, the first year of cover and the on-road costs are all financeable at the time of purchase. Added after settlement they become a separate and more expensive conversation, so decide on them before the paperwork goes in.Hear From Our Customers: We Offer the Best Finance Deals
Yes Loans
263 Albany Hwy, Victoria Park
-
Cooper was an absolute pleasure to deal with. gave me his full attention, very thorough with his explanations. and was incredibly helpful all together. … More extremely satisfied with his service. -
I couldn’t be happier with the service I received from Stephen Pastorelli.
We submitted our personal loan application at around 8:00am this morning, and … More by 3:00pm the same day it had already been approved. The entire process was incredibly smooth and stress-free.
Stephen was professional, kind, patient and genuinely understanding throughout the whole application. He was extremely knowledgeable, explained everything clearly, and made us feel comfortable and supported from start to finish. Nothing ever felt rushed, and he was always happy to answer our questions.
It’s rare to receive this level of personal service these days. Stephen is an absolute credit to the company, and I would have no hesitation recommending him to anyone looking for assistance with finance.
Thank you, Stephen, for making what can sometimes be a stressful process such a positive experience. Five-star service from beginning to end! -
A huge shout-out to Stephen and the team at Yes Loans for going above and beyond to help make my finance journey a smooth and successful one.
From my … More very first contact with Stephen, the entire process was handled with professionalism, dedication and genuine care. What started as a vision quickly became a reality for me and my family, and I couldn’t be more grateful for the support throughout the process.
I highly recommend Stephen and Yes Loans to anyone looking for finance. Their commitment to finding the right solution and making the process as easy as possible truly stood out to me.
Thank you again, Stephen and Yes Loans, for making it happen.
Perth based, every one of them
Meet the broker who will pick up your file
One of our finance brokers will be in touch to help you through the form and by expanding on any sections that you may have questions about. Every rating below is that broker’s own Google rating, as published on the Yes Loans about page.
Goran Babac
5.0 (22)
Trent Cray
5.0 (17)
Ridge Kidd
5.0 (22)
Trent Hilliam
5.0 (17)
Cooper Boyd
5.0 (4)
Stephen Pastorelli
5.0 (2)
Aidan Daggett
5.0 (1)
Vojin Jancic
5.0
Leo Rifici
5.0
Paddy Knight
5.0 (1)
3 Steps for Fast Finance
Apply online in minutes
We match you to the right lender
Get your finance fast
Pre-approval, Perth
The bike you want will be sold by Sunday
Most second hand bikes in Perth sell privately, and a well priced one is gone in days. Turning up with a pre-approval already in hand changes what you are negotiating: the price of the bike, rather than whether you can move fast enough to buy it at all.
What a pre-approval actually is
A lender’s conditional yes on an amount, given before you have picked a bike. It ties you to nothing, and you can walk away from the whole idea without owing anybody an explanation.
How many weekends it covers
Most stay live between 30 and 90 days depending on the lender, which is comfortably longer than the run of Saturday mornings it takes to find the right bike.
What it costs to find out
Nothing, and it leaves no mark on your credit file. One application reaches the whole panel, so you avoid the trail of separate enquiries that applying lender by lender leaves behind.
Your broker is in Victoria Park, ten minutes from the Albany Highway dealer strip, so the person reading your file knows the market you are buying in. Call 1800 229 142 or get your rate online.
Motorcycle finance in Perth
If motorcycling is in your blood, there isn’t anything that can take it away.
Motorcycle enthusiasts know that the feeling of having only your motorbike and the open road for company, is incomparable. Other than rides on the weekend, or to quell your need for speed, many bikers opt to use a motorcycle to travel to and from work, for ease of access as well as being cheaper to run than a car. No matter what your reason for needing or wanting a new or used motorbike is, Yes Loans can help make your need a reality today.
As always, our experienced (motorbike loving) brokers are on hand to get you the motorbike loans to make your bike ownership possible. One that will meet your needs in terms of the make and model you need, and one that will meet your budget as well.
Flexible motorbike finance at competitive rates
Finance your next motorbike quickly and easily. Yes Loans specialises in competitively-priced loans, that will have you on your bike and on the open road as quick as possible. A Yes Loans broker will take you through the motorbike loans application process. If you have your eye on a motorcycle that you just cant buy right now, we have some finance options that might help you in the shorterm.
Let Yes Loans help you get that dream motorbike from the showroom to your garage. Our affordable bike finance options can help you take it home today.
Finance your motorbike today
Whether you are looking to purchase, simply just browsing, or even a private purchase, one of our brokers will get you a competitive rate for your motorbike loan. Choose Yes Loans today and we’ll help you get motorbike finance in a few easy steps.
Use our Motorbike Loans Calculator to work out what the repayments would look like before you talk to anybody.
We say YES more often
As one of the largest finance brokers in Perth, Yes Loans says YES to more motorbike loans applications daily. It is our mission, to make sure your need for a new or used motorbike, for pleasure or the daily commute, is met when we can. We will help to make sure the motorbike finance meets your monthly budget.
Read next
Finance your next motorbike quickly and easily
In the guide How to finance a motorcycle
- Your answer to road congestion
- What type of motorbike do you want?
- Loan inclusions
- Fast pre-approval
Victoria Park, Western Australia
Every loan on this page is arranged by the same eight people in one Perth office.
4.8
from 281 reviews on Google
8
brokers, every one of them in Perth2009
trading from Victoria Park since$0
to get your rate, and no mark on your credit score
Say YES to motorcycling pleasure.
Say YES to an easy commute. Say YES to Yes Loans today.
Get ready to feel the wind in your hair, and the roar of the motorcycle engine between your knees. Your new or used motorbike is just a click away, apply online now or call us on 1800 229 142 to discuss your motorbike loans and finance options.
From the Yes Loans blog
Latest insights
Motorbike finance questions
What bikes can I ride on a restricted licence in WA?
Western Australia uses the Learner Approved Motorcycle Scheme, so on an R-E licence the bike has to be LAMS approved: a power to weight ratio up to 150 kilowatts per tonne and an engine capacity up to 660cc, or an electric motor with a power output up to 25kW. A bike cannot be modified or restricted to make it qualify. Transport WA publishes the approved list, and it is worth checking a specific model against it before you put a deposit down.
Can I finance a dirt bike or an off-road bike?
Yes, and it works differently. A lender cannot take security over a bike that is not registered, so an off-road bike is financed as an unsecured personal loan rather than a secured bike loan. That costs more than a road registered bike of the same price. It is a normal thing to finance, not a problem, and anyone quoting you road bike pricing on an off-road bike has not read the lender’s policy.
What is the difference between a secured and an unsecured bike loan?
A secured loan puts the bike itself up as the lender’s security, registered against its VIN. That protection is what buys you the sharper end of the panel and the longer terms. An unsecured loan has nothing standing behind it, which is why it is the only way to finance a bike that cannot be registered, and why it costs more.
Can I finance a motorbike bought from a private seller?
Yes. Private sales are where most second hand bikes in Perth change hands and often where the better prices are. We verify the seller owns the bike outright and that there is no finance owing against it, then the lender pays the seller directly on settlement.
How can I check whether a used motorbike has money owing on it?
A PPSR search against the VIN will tell you, and it takes minutes. Do it before you pay a deposit rather than after. Your broker runs one as part of a private sale purchase anyway, so ask before you hand anything over.
Can I finance a scooter or a moped?
Yes, on the same terms as any other road registered bike. If it is registered and insurable in your name it can be financed as a secured loan, and the smaller purchase price usually means a shorter term makes more sense than the longest one available.
Can I finance a quad bike, a side by side or a farm bike?
Yes. Whether it is secured comes down to the same question as a dirt bike: if it is registered for the road it can be secured, and if it is not it is financed unsecured. Farm and business use may suit a different structure again, so tell your broker how it will actually be used.
Can I put my helmet, jacket and luggage on the loan? +
Usually, provided they are written on the invoice on the day. Helmet, jacket, boots, panniers, a screen and the first year of cover all ride in on the loan that way. Walk back into the shop a fortnight later and the same gear is a purchase you fund out of your own pocket, so it pays to decide before the paperwork goes in.
Does getting a quote affect my credit score?
No. Asking us what a bike will cost you leaves your credit file exactly as it was. The reason to come through a broker at all is that a single application is read by the whole panel, instead of you knocking on four lenders doors and collecting an enquiry from each one.
Can I get a motorbike loan with bad credit?
More often than riders expect. Defaults, a discharged bankruptcy or no credit history at all narrow which lenders will look at the file and lift what they want up front, but a bike is a small enough loan that a deposit can do most of the repair work. It costs more, and your broker will put that number in front of you before anything is lodged.
Do I need my licence before I apply?
You need it before the bike can be registered and insured in your name, which is what a secured loan depends on. You do not need it to start a conversation or to get a pre-approval, and plenty of riders arrange the finance while they are still working through the licence.
Can I get pre-approved before I find a bike?
Yes, and for a private sale it is the only sensible order. Most second hand bikes in Perth are sold privately, and the buyer who can settle on the spot is the one who gets the bike. A pre-approval is a conditional yes on an amount, free, non binding, and live for 30 to 90 days with most lenders.
How much can I borrow for a motorbike?
Indicatively between $5,000 and $75,000, which covers everything from a first LAMS commuter to a new tourer. Our loan calculator will sanity check a figure in a minute. Where you land inside that range depends on your income and commitments, and on the bike, because a registered road bike is security a lender can price and an unregistered one is not.
Do I need a deposit?
No, and plenty of bikes settle with nothing down. What a deposit buys you on a motorcycle is reach: it shrinks the loan against a fast depreciating asset, which is the thing that makes a cautious lender cautious. On a first bike or a rebuilt credit file it is often what moves the file. Model it both ways on the estimator above.
Can I put a balloon or residual payment on a motorbike loan?
On a registered road bike, usually. A balloon parks part of the debt at the end of the term to bring the weekly figure down, and you then settle it, refinance it, or sell the bike to clear it. Bikes depreciate quickly, so the risk worth understanding is a balloon that outlasts what the bike is worth. Ask to see it both ways.
What happens if the bike is written off?
The insurer pays out the bike’s value, which is not always the same as what is still owing on the loan. That gap is what shortfall cover exists for, and it is a more live risk on a motorcycle than on a car. Your broker will raise it with you rather than leaving you to find out afterwards.
Can I refinance a motorbike loan I already have?
Yes, and dealer counter finance from a few years ago is the version most worth a second look, especially if your credit has improved since you signed it. The process runs the same way as refinancing a car loan.
What do I need to qualify?
Over 18, an Australian citizen or permanent resident, and earning an income you can evidence. After that a lender is weighing your income against what you already owe, and weighing the bike against its own age and condition policy. On a motorcycle that second half decides the term more often than the first half decides the answer.