Compare the Best Motorcycle and Moped Loans - December 2024

Avoid paying too much when applying for Motorcycle and Moped loans, with offers from around 8% p.a. We outline the latest deals and compare alternatives such as paying in cash and the best offers from trusted lenders.

Updated 1 December 2024

Summary

Our guide to the best Motorcycle and Moped loans has everything you need to know to get the right deal and slash the cost of your finance deal. We make comparing interest rates and fees easy and help you get the best deal to keep the ongoing repayments low.
If you need to buy a Motorcycle or Moped and don’t have the money to pay for the entire price upfront, a standalone loan can be a cost-effective option to get you on the road. But you need to pick an affordable lender.
For this guide, we compare personal and motorcycle loans together, as both operate nearly identically, and the differences are largely indistinguishable to a borrower. We also include mopeds in the definition of motorcycle.

Our guide covers the fundamentals of motorcycle loans and reveals the best deals currently available. We cover:

Know this first: Motorcycle loans can be expensive - researching your options will save money

Shopping for a motorcycle is an exciting time but also quite time-consuming. Frustratingly, few people invest the same time in finding the best loan deal.
Motorcycle loans range from great deals to ripoffs - get the wrong loan term and you could be stuck with crippling monthly payments for a long time. What you may have saved negotiating the price of your motorcycle can easily be lost in a few months of expensive loan repayments.

Disclaimer:

Borrowing money to buy a motorcycle is a serious decision and needs to be carefully planned and budgeted for. This step-by-step guide outlines everything you need to know about getting a motorcycle loan and gives tips to make it as cheap and stress-free as possible.
In the interests of full disclosure, MoneyHub may earn a referral bonus for anyone who's approved through some of the links below. We publish the best publicly available motorcycle loan offers that we can find, irrespective of any pre-existing commercial arrangement.

Current Motorcycle Loan Offers

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.

Enter Loan Information

Amount to Borrow

Repayment Period (Months)

Repayment Frequency:

Weekly Fortnightly Monthly

1. What is a Motorcycle Loan?

If you’re buying a new or used motorcycle and need to borrow to pay for it, there are two main finance options available.

A personal loan – this is a loan offered by banks and finance companies that is unsecured, or secured against your motorcycle.
A motorcycle loan agreement – this is a loan that is specifically for motorcycle and moped purchase, and is offered by banks, finance companies and motorcycle dealers.

What's the difference?

With both options, you will own the motorcycle outright – this means you’ll need to insure it too unless you are prepared to risk an accident that would write off the value of your investment while still leaving you with the loan.
If your loan is secured, meaning the lender has a security interest in your motorcycle, then you still own the motorcycle. However, if you become unable to make the repayments, the lender has the power to repossess your motorcycle to help pay off the debt you owe.
Our guide to personal loans outlines the options available whether you are considering a secured or unsecured personal loan.

Christopher Walsh
MoneyHub Founder

MoneyHub's Top Motorbike and Moped Loan Options - Avoid high interest rates and fees with our trusted lenders:

We focus on highlighting the top car finance options to help you avoid costly high interest rates and unnecessary fees that add up too quickly. Our extensive research has consistently highlighted two trusted lenders who offer fair, competitive interest rates for most borrowers.
Simplify – A dedicated car loan specialist, Simplify has built a strong reputation for offering some of the most competitive rates and terms in the market. For 2024, we've named them our Favourite Car Loan Lender for their customer-focused approach and proven ability to get New Zealanders into cars with great finance deals.
Harmoney – If you prefer a low-fee personal lender with an easy, fully online process, Harmoney is a great option for secured car loans. Their streamlined application can help you secure a loan quickly and efficiently.
Why Compare? Comparing car finance options can save you thousands. Even a 1% lower interest rate can significantly reduce your repayments. While dealership financing might seem convenient, it often comes with higher costs to boost their profits. By exploring different lenders and brokers (such as Simplify and Harmoney), you can secure a better deal, avoid unnecessary markups, and ensure you're not overpaying for your car.
Important: The interest rate you lock in now will impact your repayments for years to come, so choose wisely and compare before committing.
Advertising Disclosure: We may receive a commission if you proceed with a loan through our partners. However, this does not influence our recommendations, and all lenders are thoroughly vetted for fairness. Rates vary based on individual credit profiles.

Visit Simplify

Visit Harmoney

Different Motorcycle Options Compared - Loan vs Credit Card vs Paying Cash NZ

2. Different Motorcycle Options Compared - Loan vs Credit Card vs Paying Cash

Generally, there are three different ways to pay for a car. We outline the key differences in the table below:

Finance Type	Typical Length of Agreement?	Deposit Required?	Who Owns the Motorcycle?	Mileage Restrictions?	Debt Type
None (pay for motorcycle with savings)	N/A	N/A	You	None	N/A (No Debt)
Credit Card	Interest-free for 45-55 days	No	You	None	Unsecured
Motorcycle Loan	6 months to 5 years	No	You	None	Secured

Which option is best?
There is no 'best' option as each person's circumstances and requirements are different. Our guide below outlines more information on each option, as well as a comparison of the latest lending offers if you believe taking a motorcycle loan to be the best option for your situation.

Cash savings – the cheapest option for almost every motorcycle purchase

If you've got the savings, buying a motorcycle in one payment means you'll avoid interest costs, loan fees, and you'll own the motorcycle from day one. This is always the cheapest option and the one we strongly suggest everyone considers first. Avoid taking out a loan is always a good idea.

Credit Card - a savvy way to pay for a motorcycle (if you can pay it off quickly)

If you have a sufficient credit card limit and know you can repay the balance immediately (or within 1-3 months), credit cards are an affordable way to finance a motorcycle. Many dealers accept credit cards, and you can also send money to a bank account using a credit card by using a money transfer service such as Wise and pay around 1.5% as a fee. A low-interest credit card can help reduce the overall costs.

Motorcycle loans - usually the cheapest financing if you need to borrow and want to own the motorcycle outright

Interest rates range from around 8-10% p.a. to as high as 25% p.a., plus lending fees: the better your financial situation, the lower the interest rate. Once approved, the lender sends you the money or pays the person you're buying the motorcycle from directly. From there, repayments are made weekly, fortnightly or monthly over one to five years. At the end of the repayment period, the loan is cleared.

Essential Motorcycle Loan Tips to Help You Save Money NZ

3. Our Essential Motorcycle Loan Tips to Help You Save Money

Get a motorcycle loan agreed in principle BEFORE you starting looking for a motorcycle – you’ll save the most on fees and interest costs and know exactly what your budget is. You can also negotiate the price you pay like a cash buyer - it makes everything easier.
Without question, the WORST place to get financing is at a motorcycle dealership just after you’ve decided on what you want to buy. You have no bargaining power, nor will you be familiar with other options in the market.
The cheapest interest rate deals will be on secured loans – this means the lender has a right to sell your motorcycle if you can’t make the repayments (exactly like a bank can sell a house if the mortgage isn’t repaid).
To pay the least amount when you have a motorcycle loan, you’ll need the lowest interest rate, lowest application fees and the shortest term with the most frequent repayments (i.e. weekly vs monthly). i.e. If your loan is $10,000 and your interest rate is 15%, you’ll pay $4,000+ in interest if you pay it back over 5 years, but only $1,600 if you pay it back in 2 years.
Most motorcycle loan terms are up to 5 years in length. Early repayment will slash the interest costs, but check the lender’s fees and charges to know how much that will cost.
Avoid adding a motorcycle loan to your mortgage if you can help it – you’ll pay interest on the amount for a lot longer which costs you more in the long run. For example, a $10,000 loan at 7.50% over 25 years is much more costly than a $10,000 at 12.95% over three years.
Missing repayments gets costly – lenders charge $25+ for each missed payment, so prioritise your repayments.
See our cheapest motorcycle loan tables to pick from the best deals currently available - and visit our personal loans guide to compare

4. Must-Know Motorcycle Loan Facts

A motorcycle loan is a commitment to repay for an agreed-upon time frame

When you get a motorcycle loan, it's a debt you agree to for the sole purpose of paying for a motorcycle. You agree on an amount to borrow, an interest rate and a term of repayment (i.e. 1 year, 5 years). Once your loan is successful, either the party selling you the motorcycle will receive the money, or you will receive it directly. The lender will register an interest in your motorcycle (if the loan is secured).
You then repay the loan with fixed payments, either weekly, fortnightly or monthly. Paying weekly incurs less interest costs than paying fortnightly or monthly as there is less debt outstanding.
If you fail to keep up payments, the lender (e.g. bank or finance company) is entitled to seize the motorcycle - you must be certain that you can afford the repayments before you go ahead.
Once repaid in full, your motorcycle loan agreement is terminated and the lender's interest is removed.

The loan with the lowest interest rate is usually the best option, but be aware of upfront fees

To make an informed decision, you simply need to compare the annual interest rates offered between the lenders – the one with the lowest percentage is the best deal. Fees to get the loan will vary between lenders, but the interest rate is the biggest factor in getting the best loan. Pick the wrong lender and you can easily pay $100 more every week on a $10,000 motorcycle.

For the purposes of this guide, we compare personal loans and motorcycle loans together, as both operate nearly identically, and the differences are largely indistinguishable to a borrower.

Make sure a motorcycle loan is right for your income and spending habits

A motorcycle loan may not suit everyone. If you have trouble paying debts in general, taking on another loan could end up an expensive mess if you default.

The benefits:

You can spread the cost of the motorcycle, so you don’t need all the money upfront and can get a better motorcycle (or one more suitable to your needs) by paying for it over time
Most lenders offer financing that is simple to understand and arrange.
You have flexibility in the term – you decide on whether you need 6 months or up to 5 years to repay
Once you repay the motorcycle in full, the lender no longer has a claim to it.
Buyers with poor credit history can apply, but will pay a higher rate of interest

Watch out for:

High interest rates – the lower, the better in all cases
Ongoing 'maintenance' fees for having a loan in place
Late payments have fees and penalties which will add up
If you fail to keep up with the repayments the lender can repossess the motorcycle to pay your debt
Early repayment fees - some lenders charge them, but others don't

Motorcycle loans are offered by a lot of different companies

Motorcycle loans are widely offered – you shouldn’t go with the first quote you get. Look at all the options and be open-minded to financing beyond traditional banks - it can at times be cheaper. Motorcycle lenders include:

Banks - Every bank in New Zealand offers personal loans and/or motorcycle loans in some form. Banks may offer preferential interest rates to existing customers, as well as offering the option of including a motorcycle loan in a mortgage.
Finance Companies and Credit Unions - Most Finance Companies and Credit Unions offer personal loans and/or motorcycle loans.
Specialist Car Finance and Motorcycle Loan Companies - Companies exclusively offering car finance and motorcycle loans are most visible online with big claims of offering the best deals, but it's not always the case.
Motorcycle Dealerships - Loans are offered and arranged by almost every motorcycle dealer in New Zealand – it’s a lucrative income stream on top of the commission from selling motorcycles.

Buying a new motorcycle from a manufacturer-dealership?

If you buy a new motorcycle, loans are usually arranged through the manufacturer’s finance division. Examples include Honda Rider Finance, Yamaha Finance and Suzuki Finance, among others.
It’s definitely worth finding out what manufacturer-dealerships can offer you on a finance deal – it will usually be cheaper (but do compare).
When you negotiate your new motorcycle, only mention finance options at the last possible moment - you want your conversation to be on dropping the sticker price, not the repayment costs. You can talk about financing options and interest rates once you have a confirmed price.

Buying a used motorcycle from a manufacturer-dealership?
Just like a new motorcycle, if you’re buying a used motorcycle from a manufacturer-dealer, it’s also worth looking at their in-house finance options.

Avoid high interest rates by making sure your finances are in order

The interest rate you will pay will be determined by a few factors, which we detail below.

Your credit history – if you have been good with previous repayments (credit cards, phones, mortgage, loans etc) you’ll get a lower interest rate than someone with defaults or missed payments.
Your deposit – if you want a $10,000 loan, having a $2,500 deposit is better than having $0. How much of a difference it makes depends on the lender’s risk assessment.
The motorcycle’s model - if your motorcycle is a common model, this can mean a lower interest rate, as there is an improved chance of quick resale should you default so your loan is less risky.
Consider taking a shorter loan period - the longer the term of the loan, the more interest you'll pay - the table below shows the total cost of a $10,000 loan at a 15% interest rate over a 1 year, 3 year and 5 year loan term. As outlined below, the total interest cost for a 5 year loan is more than five times the cost of a 1-year loan.

$10,000 Loan	1 Year Term	3 Year Term	5 Year Term
Monthly Repayment	$903	$347	$238
Total Interest Cost	$803	$2,480	$4,274
Total Loan Paid	$10,831	$12,480	$14,274

Figures provided by our Loan Amortisation Calculator

Make your repayments more manageable

There are a few ways to reduce your the amount you repay on motorcycle financing:

Put down a larger deposit – the loan size will be reduced and so will the repayments you have to make.
Agree to a longer repayment period – the repayments will be smaller, but you’ll pay more in interest charges which ultimately makes the loan more expensive.
Make early repayments – the size of the loan will fall and subsequent repayments will be smaller, but check the fees involved in early repayments or overpayments.

Don't delay acting if you notice a problem with your motorcycle

If you’ve bought it from a dealer, you can take it back and ask for the problem to be sorted. New motorcycles will usually be under warranty, and used motorcycles bought from a dealer give buyers rights too.
If you’ve bought the motorcycle privately and something goes wrong later, you are on your own – see our buying a used car guide for more details, which also applies to motorcycles. You could be stuck with a broken down motorcycle and a loan to pay if you're not careful.

Know the consequences of missing a motorcycle repayment

Generally, missing one repayment isn’t too serious – your lender will just follow up with a reminder and probably charge a small fee as a penalty. But, if you fail to make repayments one after another, your lender will take action and start legal proceedings to repossess your motorcycle.

The faster the lender can then sell your motorcycle, the less it will lose so your motorcycle is at risk of immediate seizure. You will also have a “default” put on your credit history. This will affect any further financing you need such as phones, other motorcycles or cars, mortgages etc.

Get your details organised once you know you want to proceed

When you have found a loan that you can afford and that offers a competitive interest rate, you can apply through the lender’s website or over the phone. You will need to confirm:

How much you want to borrow, and for how long
Your personal details – name, address, date of birth
Your employment details
Your financial situation – credit card balances, savings, investments etc.

Once submitted, the lender will assess your application and run a credit check on you. The lender will then make a decision and notify you; if you’re successful, you will be told the loan amount and interest rate.

To be eligible to sign the loan contract, you must:

Have a restricted or full motorcycle licence
Be aged 18 or over
Have two forms of ID
Have full insurance for the motorcycle
Agree to the motorcycle being used as security for the loan

The motorcycle you intend to purchase should:

Have a current Warrant of Fitness and Registration when you purchase it
Be less than 10 years old at the start of the loan term (lending criteria does vary)

Get familiar with our motorcycle finance checklist to help your finances stay healthy

Before committing to any motorcycle loan or finance deal, it is essential to be cautious about what you can afford - being stuck with unaffordable monthly repayments is a fast road to misery.

Get an affordable interest rate and know the charges of the contract - a motorcycle loan is more than just interest; there can be hidden fees. Don't be caught out by the fine print - ask and understand everything you need to know upfront.
Know the size of the upfront deposit - the more you have in cash for a deposit, the better the finance terms. If you're looking for a $10,000 motorcycle and have $3,000, you'll be able to put down 30%. This makes you more attractive to a lender than someone who can only put down 10%, and for this reason alone you can get a better deal.
Check you can afford the monthly payments - our guide is to spend a maximum of 10% of your pre-tax income on your motorcycle payments. If your monthly income is $4,000 before tax, don't commit to a motorcycle loan that would charge you more than $400 per month. Doing so could cause financial hardship.
Know how long the term is, and if you can make early repayments - the best motorcycle loan is the one that is flexible about paying it off early. Because motorcycle loans can often be approved at a high interest rate, even a $100 early repayment once in a while will save considerably in the long term.
Know your credit records - our guide to credit scores, checks and records shows you how to do this for free, and helps you understand what's important to get a cheaper loan.

What You'll Need to Apply for a Motorcycle Loan NZ

5. What You'll Need to Apply for a Motorcycle Loan

Lenders are focused on affordability. To determine this, they look at many different factors around your income. In many cases, they will ask for:

Two or three recent payslips
The most recent IRD return
Your after-tax income
Employer's details

Other details you'll need to supply:

Lenders will also look at your ongoing expenses, current debts/loans, and any assets you own.
You'll also need to prove your ID by submitting your driver's licence, passport or birth certificate.
Finally, if you know what vehicle you want to buy, the lender will likely ask for its number plate (to get the make, model, year and colour), VIN (as outlined here) and the for sale or purchase price.

Do I need a deposit to get a motorcycle loan?

This depends on the customer's risk profile. For example, if the lender thinks the profile warrants a deposit, they will ask for one. Examples include a young person in their first job - the risk is higher than someone more established, so the lender may ask for 10% or 20% to give them more comfort. But, again, what you'll be offered is unique and can only be determined in the application process.

Generally, there is never really a fixed percentage amount the lender wants as part of a deposit - it is all case by case. As a result, low-risk borrowers will often be able to borrow 100% of the motorcycle's purchase price.

Best Motorcycle Loan Offers - Banks, Finance Companies and Specialist Lenders NZ

6. Best Motorcycle Loan Offers - Banks, Finance Companies and Specialist Lenders

We've put together the best deals currently available, and list their upfront fees. Each lender will assess your ability to make repayments differently, which means you will most like be offered a range of interest rates by different lenders. What matters is that you can meet the repayments, understand terms and any associated fees.

The best deals are those with the lowest interest rates. A popular option is to contact a range of lenders for a non-obligation interest rate quote. Be clear on the amount you want to borrow upfront and what your income is, as well as all other loans/credit card balances you have.

Do you have a solid credit history and the income to make repayments without any foreseeable issue?
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.

Important: The interest rates stated above (and below) are the best offers - each borrower will be assessed for suitability, whereby an interest rate offer will be provided if the loan is approved. This interest rate may be higher than those disclosed below.

Current Motorcycle Loan Options Available Throughout New Zealand - Rates, Fees and Details:

Simplify

Interest rate: Between 9.00% - 28.45% p.a.
Establishment or Loan Fee: Varies
PPSR (security registration fee): $10
Early repayment fee? Varies
Other fees: Fee schedule
More details: Visit Simplify

Harmoney (Secured Motorcycle Loans)

Interest rate: Between 9.99% p.a. to 24.99% p.a.
Establishment or Loan Fee: $150
PPSR (security registration fee): None
Early repayment fee? None
Other fees: Overdue fees, which is $20 on each of 6, 36, 66, 96, 120 days after the payment date
More details: Visit Harmoney

Better Finance

Interest rate: Between 9.45% and 28.95% p.a
Establishment or Loan Fee: $150 to $495
PPSR (security registration fee): $7.39
Early repayment fee? $7
Other fees: Variable and disclosed on application
More details: Visit Better Finance

Co-operative Bank

Interest rate: Between 8.99% and 17.75% p.a
Establishment or Loan Fee: $200
PPSR (security registration fee): Free of charge
Early repayment fee? No - free of charge
Other fees: Fee schedule
More details: Visit Co-operative Bank

AA Money

Interest rate: From 9.95% - 16.95% p.a.
Establishment or Loan Fee: $180 for AA Members (or $240 for non AA Members)
PPSR (security registration fee): Included in establishment fee/loan fee.
Early repayment fee? No - AA Money does not charge any additional fee if you decide to make a full or partial prepayment of your loan.
Other fees: Fee schedule
More details: Visit AA Money

MTF Finance

Interest rate: Between 10.99% to 24.05% p.a. + an ongoing 'Loan Administration Fee' up to $8.24 per month
Establishment or Loan Fee: Up to $380
PPSR (security registration fee): $10.35
Early repayment fee? $24.50
Other fees: Fee schedule
More details: Visit MTF Finance

ANZ Bank

Interest rate: 13.90% p.a.
Establishment or Loan Fee: $115 ($0 for full-time tertiary students with a Jumpstart account)
PPSR (security registration fee): Free of charge
Early repayment fee? No - free of charge
Other fees: Fee schedule
More details: Visit ANZ Bank

ASB Bank

Interest rate: 13.90% p.a. to 19.95% p.a. (unsecured)
Establishment or Loan Fee: $99
PPSR (security registration fee): $25
Early repayment fee? No - free of charge
Other fees and more details: Visit ASB Bank

Finance Direct

Interest rate: From 8.95% p.a. + an ongoing $5 per month 'Loan Administration Fee'
Establishment or Loan Fee: $350 to $650 depending on the size of the loan
PPSR (security registration fee): Yes - $395 to register, and up to $250 to release
Early repayment fee? Yes - we calculated between $130 and $520 on a lump-sum final repayment of $5,000 and $20,000 respectively at a 15% interest rate - the fee will vary based on the interest rate and outstanding loan balance
Other fees: Fee schedule
More details: Visit Finance Direct

GEM

Interest rate: Between 8.99% p.a. and 29.99% p.a.
Establishment or Loan Fee: $240
PPSR (security registration fee): No
Early repayment fee? Free of charge
Other fees and more details: Visit GEM Finance

Unity (NZCU BayWide)

Interest rate: from 9.90% p.a. for secured loans and 12.90% p.a for unsecured loans
Establishment or Loan Fee: up to $250
PPSR (security registration fee): $17.25
Early repayment fee? $0
Other fees: Visit Unity
More details: Unity Vehicle Loans

Turners

Turners Finance organises motorcycle, car and personal finance through Oxford Finance and MTF Finance.

UDC

Interest rate: Between 11.20% p.a. to 13.70%p.a + an ongoing 'Maintenance' fee of $2.00 per month
Establishment or Loan Fee: $195
PPSR (security registration fee): $10.35
Early repayment fee? $7 + a variable amount, explained here
Other fees: Fee schedule
More details: Visit UDC

Westpac

Interest rate: 13.90% p.a.
Establishment or Loan Fee: $100
PPSR (security registration fee): Free of charge
Early repayment fee? No - free of charge
Other fees and more details: Visit Westpac

Motorcycle and Moped Loans Frequently Asked Questions NZ

7. Frequently Asked Questions

Motorcycle loans aren't complicated, but there are pitfalls. We strongly suggest asking a lender anything you're unsure of before signing up to any loan. This is the best way to lower the risk and ensure you can afford the loan repayments. Our selection of common questions helps explain motorcycle loans in further detail:

The lender advertised “from 9.99%”, but I was quoted a much higher rate - why is this?

What the lender advertises and what it offers to most people are entirely different. Your interest rate will depend on your credit history, the vehicle you are buying, your income and other factors.

Why is a motorcycle loan so expensive compared to other loans?

Motorcycles, unlike property, fall in value every day, so lending money on an asset that is worth less as time goes on is high-risk. Many finance companies have gone bankrupt lending to drivers who couldn't repay car loans, and motorcycle borrowers have a similar risk profile. In many cases, repossessing a motorcycle doesn't recover much of the value. For example, a $10,000 motorcycle after two years is probably worth $6,000, but if $8,000 is owed on the loan, then the lender takes a loss. For this reason, interest rates are high and your credit history is very important when the lender offers you financing.

What happens if I want to pay off the outstanding balance early?

You can do this at any time, but check the fees you’ll pay – some lenders charge, some don’t. If you plan to repay early then it's best to look at loans that offer this free of charge. The easiest way to arrange early repayment is to contact the lender.

Do I need to take out insurance and where should I get it?

Yes, even if your motorcycle loan isn't secured, having insurance protects you from financial loss if you cause damage to another vehicle. Our motorcycle insurance guide outlines the best policies available.

How long does it take for an application to be assessed?

Many lenders offer same-day responses, so you'll be able to get a loan in principle for when you decide to go ahead with a motorcycle insurance guide purchase. Some lenders even offer instant or same-hour approvals.

What happens at the end of the finance deal?

Nothing changes other than you stop making your regular repayments to the lender. Any security over the motorcycle will be discharged (either for free or at a fee). This means you will be free to sell the motorcycle later on without any complications.

Motorcycle and Moped Loans Conclusion NZ

8. Our Conclusion

Motorcycle loans are relatively easy to obtain, but they have long-term costs. Before agreeing to any loan deal, please be aware of the following:

It's easy to compare deals and get quotes; please spend time sourcing quotes upfront. You'll save money by doing so, whereas if you give the job to the dealer, you'll probably pay a lot more and have nothing to compare with.
Some loans come with hidden costs and strings attached. Please read the fine print and understand all charges and potential future liabilities.
Motorcycle loans, if not managed correctly, can have long-term impacts, and many people get into financial hardship when their loan is unaffordable. Don't over-borrow - the risks are too high.
While not always feasible, paying in cash is often the simplest and most transparent method, ensuring that there's no interest or additional charges to worry about in the future.

Related Guides:

Car Finance Company Reviews:

Simplify Review
MTF Finance Review
AA Money Review
Better Finance Review
Kiwi Car Loans Review
Car Loan Brokers vs Direct Car Finance Companies