Whether it's your first bike or the tourer you've been eyeing up, a motorbike loan lets you spread the cost over a term that suits your budget.
You can borrow from $500 to $50,000, and we'll go through your budget with you to make sure the repayments fit.
Borrow: $500 to $50,000.
Loan terms: 3 months to 7 years.
Interest rate: personalised and fixed for the term of your loan, from 9.95% to 29.95% p.a.
Deposit: in many cases, no deposit is needed.
Repayments: weekly, fortnightly or monthly.
Payout: once your loan is approved and accepted, the money is usually in your account within 24 hours.
Paying off early: you can do it any time, with a $25 administration fee if you repay the full balance early.
Ways to apply: online, by phone or in a branch, with the same lending criteria whichever way you choose.
Apply online, by phone or in a branch.
We go through your budget with you, using your bank statements, to make sure the repayments fit.
You get your personalised rate and loan terms in writing before you sign.
The money goes into your bank account, usually within 24 hours of your loan being approved and accepted.
You repay in fixed amounts, weekly, fortnightly or monthly, until the loan is paid off.
Photo ID. See how to get a loan for the types of ID we accept.
Your last 3 months of bank statements. You can usually share these securely online.
Details of your income and expenses, so we can work out a budget together.
New Zealand citizens and residents can apply, and so can work visa holders, as long as the loan term ends before their visa expires.
You can apply if you're employed, self-employed or on a benefit.
What matters is that your income is regular and the repayments fit comfortably in your budget.
See how to get a loan for the full criteria.
Some smaller loans can be unsecured, while larger loans may use an asset, such as a vehicle, as security.
Security can help with larger amounts and may lower your rate.
We'll talk you through the options. See secured vs unsecured loans.
If you're new to riding, our beginner's guide to buying a motorbike in NZ covers licences, costs and the checks to do before you buy a used bike.
Try our loan calculator to see what your repayments could look like for different amounts and terms.
You can borrow from $500 to $50,000, over a term from 3 months to 7 years. How much makes sense for you depends on your income, your expenses and what you can comfortably repay.
Yes. Motorbike finance isn't limited by engine size, so you can borrow for a 125cc bike, a learner bike or something bigger, as long as the repayments fit your budget.
Not necessarily. We look at your full financial picture first, and in many cases we can arrange a loan with no deposit needed.
Your rate is personalised, from 9.95% to 29.95% p.a., based on your circumstances, your credit history, any security you can provide and the loan amount. Once set, it's fixed for the term of your loan.
Yes, you can apply. What matters is that your income is regular and the repayments fit comfortably in your budget.
Yes. You can pay extra or pay off your loan early at any time. If you repay the full balance early, there's a $25 administration fee.
