MotorCycle Finance - Consumer Loan
A consumer loan designed to help customers purchase a new or used asset for personal use. The loan features a fixed interest rate and no deposit requirement.
- From
- 10.14%
- Fixed
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 3 years Minimum rate for a Consumer Loan on a 3 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are purchasing and loan amount. Your introducer may offer a rate discount. Applicants who are property owners with an excellent credit history may be offered an interest rate at the lower end of our range. Your actual rate will be confirmed in your finance documentation if your application is approved. | 10.14% | — | — |
| Fixed · 4 years Minimum rate for a Consumer Loan on a 4 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are purchasing and loan amount. Your introducer may offer a rate discount. Applicants who are property owners with an excellent credit history may be offered an interest rate at the lower end of our range. Your actual rate will be confirmed in your finance documentation if your application is approved. | 10.14% | — | — |
| Fixed · 5 years Minimum rate for a Consumer Loan on a 5 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are purchasing and loan amount. Your introducer may offer a rate discount. Applicants who are property owners with an excellent credit history may be offered an interest rate at the lower end of our range. Your actual rate will be confirmed in your finance documentation if your application is approved. |
Fees
| Fee | Type | Amount |
|---|---|---|
| Establishment fee | Upfront | $495.00 |
| Introducer origination fee The origination fee will vary based on your introducer. | Upfront | $0.00 – $1,100.00 |
| Personal Property Securities Register (PPSR) fee Fee payable for each security to be registered as a security interest on the PPSR website. | Upfront | $6.00 |
| Security registration administration fee Fee payable for each security to be registered as a security interest on the PPSR website. | Upfront | $3.95 |
| Monthly repayment fee Charged monthly · Payable each time a monthly repayment is due. | Ongoing | $7.95 |
| Fortnightly repayment fee Charged every 14 days · Payable each time a fortnightly repayment is due. | Ongoing | $3.95 |
| Dishonour fee Payable each time a payment instruction is dishonoured. |
Features
- Finance available for new and used assets including motorcycles, all-terrain vehicles (ATV), side-by-side vehicles, personal watercraft assets, ride-on mowers or trailers. — New or used assets
- Available terms of 2, 3, 4, 5, 6 and 7 years. — Flexible loan terms
- Have the certainty of a fixed interest rate and repayment amount for the life of the loan. — Fixed interest rates and repayments
- Repayments can be made fortnightly or monthly, giving flexibility to manage your payment options. — Repayment frequency options
- Where available, additional finance inclusions such as comprehensive insurance and extended warranties may be included in the total amount financed, subject to credit criteria. — Additional finance inclusions
Eligibility
- Minimum age — 18 yearsAll applicants are required to be 18 years or over.
- Individuals onlyApplicants must be a natural person. Consumer loans are available for individuals and co-borrowers.
- Residency status — Applicants must be an Australian or New Zealand citizen, or a permanent Australian resident, or hold an acceptable visa that is valid for the loan term. Applicants must reside in Australia.
- Applicants must hold a valid licence suitable for the asset being financed.
Constraints
- Minimum limit — $8,000.00Minimum loan amount for motorcycles, all-terrain vehicles (ATV), side-by-side vehicles, personal watercraft assets, ride-on mowers and trailers.
- Maximum limit — $80,000.00Maximum loan amount for motorcycles, all-terrain vehicles (ATV), side-by-side vehicles, personal watercraft assets, ride-on mowers and trailers, subject to credit criteria.
Published by MotorCycle Finance under the Consumer Data Right · Last updated 8 July 2026 · Product ID cc05a965-9af8-43e1-8b3b-86a5b11910dd