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Motorcycle and Moped Loan Calculator - Calculate Your Repayments

  • Estimate your Motorcycle and Moped Loan repayments in seconds - our calculator determines your weekly, fortnightly or monthly repayments.
  • If you're looking to buy a Motorcycle or Moped, we’ll do the maths for you and list must-know tips to help you reduce the interest rate you pay.
Updated 18 July 2024

​Our Calculator Makes The Numbers Clear
If you want a loan for a new Motorcycle or Moped, our easy to use repayment calculator will help you work out you will pay weekly, fortnightly or monthly, and what each lender may charge.

Christopher Walsh, MoneyHub's Founder and Head of Research, shares his views on Motorcycle and Moped Loans:
  • Vehicle finance can get be a great deal or very expensive - please avoid rushing into a "bad deal" by carefully considering your options. I've written about the risks in Stuff.co.nz and continue to challenge the market. Motorcycle and Moped Loans are no different - getting the best deal is essential.
  • Our calculator uses lending rates and is designed to help you see the options available; we believe comparing online is the best place to start. There is a real risk of overpaying for motorbike or moped loans.
  • Our Motorcycle and Moped Loan comparison research highlighted three leading lenders that reliably and consistently offer fair interest rates to the majority of borrowers. 
  • We suggest contacting dedicated specialist Simplify - their team has a proven track record of offering market-leading interest rates and terms.
  • Low-fee personal lenders such as Harmoney offer lending via a 100% online application process.
  • We also suggest contacting locally-based lenders like MTF Finance - MTF offers branch-based lending in locations all over New Zealand.
  • Advertising Disclosure: We may receive a commission if you take out a loan, but this does not influence our shortlist. Interest rates vary based on each borrower. 
Christopher Walsh
MoneyHub Founder

Motorcycle and Moped Loan Calculator

Calculate Your Interest and Repayment Costs
To find out what you will pay monthly and in total for your Motorcycle or Moped loan, simply insert:
  1. The loan amount (the total amount of money you want to borrow)
  2. The loan length (how long you want to repay the loan)

Know this first:
  • The repayment amounts exclude any upfront fees and/or ongoing fees a lender may charge.
  • The interest rates below represent each lender's lowest rate. This is not necessarily the rate you will receive, and for this reason, we suggest considering your options carefully and arranging multiple quotes.

Enter Loan Information

Amount to Borrow

Repayment Period (Months)

Important: Our calculations are based on the assumption that you make the same fixed loan repayment for the entire repayment period, the interest rate does not increase or decrease, you don't miss any repayment deadlines, overpay or underpay. ​
Christopher Walsh
MoneyHub Founder
MoneyHub's Top Motorbike and Moped Loan Options - Avoid high interest rates and fees with our trusted lenders:
  • Our research highlighted three leading lenders that reliably and consistently offer fair interest rates to most borrowers and are active lenders.
  • We suggest contacting dedicated specialist Simplify - their team has a proven track record of offering market-leading interest rates and terms.
  • Low-fee personal lenders such as Harmoney offer loans with a 100% online application process.
  • We also suggest contacting local lenders like MTF Finance - MTF offers branch-based lending in locations all over New Zealand.
  • The more you compare, the better your chances of finding the best deal and financing your Motorbike or Moped for the lowest price.
  • Remember, the interest rate you agree to now makes a huge difference when you repay your loan week after week.
  • Signing up for finance with from a Motorbike salesperson is unlikely to be the best or most cost-effective option.
  • ​Advertising Disclosure: We may receive a commission if you take out a loan, but this does not influence our shortlist. Interest rates vary based on each borrower.
Our Three Trusted and Affordable Motorcycle and Moped Lenders Committed to Fast Quotes:

Motorcycle and Moped Loan Calculator Frequently Asked Questions

How much should I borrow to buy a Motorcycle or Moped?

We suggest spending no more than 10% of your monthly pre-tax income on loan repayments. For example, if you earn $30,000 a year after tax, that's around $300 per month. This leaves you money for essential expenses and everyday items, such as motorbike or moped insurance, WOF and petrol.

How accurate is the Motorcycle and Moped Loan Calculator?

The calculations are estimates based on listed lenders' and brokers' current starting interest rates. Please remember that rates may vary based on affordability, loan preference and general market conditions. Because there are many variables, we suggest arranging several quotes. 

What should I consider before applying for a Motorcycle or Moped loan?

You'll need to consider your budget, the total cost of the loan (including interest and fees), the loan term, and the lender's reliability. Reading our Motorcycle and Moped Loan comparison for detailed information will also help you avoid being overcharged or stuck in a poor-value finance deal.

Does the Motorcycle and Moped Loan Calculator consider fees?

The calculator focuses on interest rates and repayments. You should also consider any upfront or ongoing fees a lender may charge, which can affect the total cost of the loan.

How can I get the best Motorcycle or Moped Loan?

Compare offers from multiple lenders, negotiate terms, and consider all aspects of the loan, not just the interest rate. Reading MoneyHub's guides and reviews can also provide valuable insights.

Can the Motorcycle and Moped Loan Calculator help me decide between a new and used car?

Yes - our calculator compares the ongoing costs of financing new and used motorcycles and mopeds. By inputting different loan amounts and terms, you can see how choosing a new or used vehicle affects your monthly payments and the total interest paid over the loan's life. 

This comparison is crucial, as new motorbikes tend to depreciate faster but may have lower interest rates, while used motorbikes might be cheaper overall but could come with higher interest rates.
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​Advertising Disclosure: MoneyHub may receive a payment if you make a purchase on our website. Such commercial arrangements have no influence on our independent reviews of financial products. Please refer to our advertising policy for more details.