Bad Credit Motorbike Loans

Don’t let bad credit slam the brakes on your motorcycling dreams.

Rapid Finance tailors loan solutions to suit just about all client’s unique goals and circumstances. We’ve already helped countless Australians, and we may be able to help you today, so you can hit the road tomorrow. We offer:

  • A fast loan application process
  • Dealer and private-sale motorcycles
  • Tailored bike loan solutions
  • Bad credit loan expertise

Bike finance in 3 steps

Free Finance Assessment

Over 20 years' bad credit experience

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What is a bad credit motorbike loan?

A bad credit motorbike loan is a finance product designed for people who struggle to secure finance, when looking for a motorbike loan. Reasons for this might include a poor credit history, short-term employment or a low credit score. 

A bad credit loan might be the best option for you if any of the following applies to your financial situation:

  • History of credit defaults or judgements
  • Previous bankruptcy
  • Repossessions
  • Self-employment/no financials
  • Part IX Debt Agreement – current or Previous

These loans typically have features that distinguish them from standard motorbike loans, reflecting the increased risk perceived by the lender. Here are some key features of a motorbike loan with bad credit:

  1. Higher Interest Rates: Due to the increased risk associated with lending to individuals with bad credit, these loans often come with higher interest rates compared to standard motorbike loans. This means borrowers will pay more over the life of the loan.

  2. Larger Deposit: Lenders may require a larger down payment for a bad credit motorbike loan to reduce their risk. This upfront payment represents a higher percentage of the motorcycle's total cost.

  3. Requirement for Collateral: In some cases, lenders might require collateral beyond the motorcycle itself, especially if the loan is unsecured or if the borrower's credit is particularly poor.

  4. Credit and Income Verification: Lenders will typically conduct thorough checks on an applicant's credit history and require proof of income to assess their ability to repay the loan.

Motorbike Finance is Possible!

We are experts in motorbike finance and will do our best to get you get back on the road, where you belong.

We understand that, sometimes, life just happens. For over 20 years, we've been helping people with poor credit histories secure loans for their dream motorbike – no matter how out of reach they thought that dream was, we may be able to help.

We're here for you, no matter what barriers to loans apply to your situation, we will attempt to assist. These Reasons might include:

Don’t wait weeks. Apply today, and hit the road tomorrow.

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Please note: This is an estimate provided for illustrative purposes only, and is based on the accuracy of information provided. It does not constitute a quote. Additional fees and charges may apply dependent on your individual circumstances. Fees such as early repayment costs and establishment fees are not accounted for in the examples of weekly repayments. Interest rates may be subject to change throughout the term of the loan.

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Learn your chances of loan success with a free Rapid Finance credit check. It’s fast and easy, and it won’t affect your credit rating. Request your score today – it only takes a few minutes!

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Rapid Resources

How Do I Know if I Have Bad Credit?

The irony of a credit score is that, often, people don’t know what theirs is like until they need to rely on it. So, how do you know if you have bad credit? And what does it mean for your loan application?

Read more

How we find loans for people with bad credit

Turned down due to your credit history? Here's what you can do next to secure finance.

Read more

Frequently Asked Questions