If it's in your blood,
we'll get you on it.Motorbike finance in Perth, arranged by our experienced (motorbike loving) brokers.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.