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    Motorbike Loans and Finance

    Finding motorbike loans in New Zealand can be a challenging process. Most of the major financial institutions are reluctant to provide loans on motorbikes, despite the value they can represent. At Active Finance, we understand that buying a motorcycle is a genuine investment for many people, and we are more than happy to help with these loans and finance.

    Current special interest rate available:

    The start of Summer special rate from 9.85%*

    *Credit criteria and terms do apply to this special rate. To qualify for this special rate the minimum lend amount is $10,001.00, you must be employed full time, have a good to excellent credit history, fit within our lenders affordability calculations and have a valid motorbike licence. Terms up to 60 months available.

    Normal interest rates are:

    Finance amount between $3,000.00 – $10,000.00 from 13.85%

    Finance amount between 10,001.00 – $20,000.00 from 11.85%

    Finance amount above $20,001.00 from 10.85%


    Fast approval process – Use the Instant online application to get a conditional approval straight away!

    Motorcycle Dealer or Private Sale

     Pre approved finance available

    All licences considered

    Good and Bad credit considered

    Minimum net income from only $450.00 per week

    Finance from $3,000.00

    Flexible repayment options

    Full range of insurances available


    Active Finance can help by approving a loan for a motorbike that you have already found and fallen in love with. We can pre-approve you for a motorcycle loan if you are in the market to buy, but haven’t quite found the perfect one. With a motorcycle loan from Active Finance, you also get the freedom to choose where you buy your motorbike from. You can buy from a dealership, online or in any other form of private sale. What matters to us is helping you to realize your dreams, not where you purchase your motorbike from.

    Don’t get stuck with ‘approved’ motorcycle dealers

    If you need to update your motorcycle and get something faster that will fit your criteria, or you are just looking to purchase your first motorcycle, don’t get stuck with limited options because of your finance company. Some lending institutions will limit you to only a list of approved motorcycle dealerships. However, at Active Finance, we realise that these aren’t necessarily the best place for you to buy motorbikes. That’s why we offer motorcycle loans and finance for private vehicle sales. That way, you get maximum freedom in selecting where you buy your motorbike from, whether you buy it from friends, family members, online or any other form of private sales.

    Get a Motorbike loan pre-approved

    You can also get pre-approval for your loan, so you can shop with confidence knowing exactly how much you have to spend, and that you will have the money available almost immediately when you find the right motorcycle for you. What’s more, when you have your loan pre-approved, you can make an offer to buy in cash, so you get maximum negotiating power.

    A pre-approved motorbike loan can even help you negotiate a better price as a cash buyer!

    A Motorbike Loan as individual as you

    When we arrange loans and finance for private sales, we make sure we are getting you the best interest rate possible. We also keep our fees as low as possible, so you can use your money to buy a motorbike, rather than spending a large proportion of it on administration costs. That means you can buy the motorcycle you’ve earned, not just what you have leftover after the loan application process. Active Finance also offer flexible repayment terms, so you can choose a motorcycle loan option that suits your financial situation best, now and in the future.

    If you apply for a motorcycle loan with Active Finance, we won’t subject you to the ‘usual lending criteria’. We understand that people in all sorts of different situations require loans for motorbikes to cater to anyone’s needs. When you apply for a motorbike loan for a private sale, we treat your application individually, and assess it based on your ability to pay back the loan, not on your past credit history. That means we can help almost anyone, including people applying for their first loan, and people that may not have the strongest credit history possible. We’re more interested in helping you purchase the car you want than finding reasons not to approve your loan.

    Apply online & get one step closer to your motorcycle

    To get started with your motorcycle loan for private sales today, fill out our simple online application form , and you’ll see just how quick and painless it is to get your loan approved with Active Finance. Alternatively, check our options for vehicle financing , or get in touch  with our friendly and experienced team for the best advice on securing your motorcycle loan.

    Apply Now