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A rider in a leather jacket beside her parked motorcycle at a coastal lookout above a calm bay lined with pohutukawa

Motorbike and scooter finance

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The short answer

Can you get finance for a motorbike or scooter in New Zealand?

Yes. Motorbike finance in New Zealand is available for road bikes, motorcycles and scooters, and works much like a car loan: the lender pays for the bike and you repay it in regular instalments. Finance Made Easy is a finance broker servicing all of New Zealand, for dealer or private sales. Apply online and we aim to give you an initial decision quickly, often within an hour during business hours.

Last updated

Why FME

Quick to apply, clear on timing.

Apply online

Start your application online with your income details and anything you know about the bike. Prefer to talk? Call 0800 995 014.

A quick initial decision

We aim to come back within the hour during business hours, so you can keep talking to sellers with a clear idea of where you stand.

Funding in 24 to 48 hours

Once your loan is approved and the paperwork is signed, funding usually follows within 24 to 48 hours.

Worth it?

Is it smart to finance a motorbike?

It can be, when the repayments sit comfortably inside your budget and the bike does a real job for you, such as getting to work.

Finance spreads the cost of a bike over time, but interest and any fees mean you repay more than the purchase price. Look at the total amount repayable, not only the weekly figure, and try a few scenarios on our motorbike loan calculator. Calculator results are estimates only.

It also helps to budget for the running costs that come with owning a bike:

  • Riding gear: helmet, jacket, gloves, boots and pants.
  • Insurance, registration and a current warrant of fitness.
  • Servicing, tyres and chain replacement.
  • Cover for unexpected repair bills. We arrange mechanical warranties through a range of warranty providers, with or without a loan; ask whether cover is available for your bike.

Getting approved

How easy is it to finance a motorcycle?

If you are working and the repayments are affordable on your income, the process is simple to start: apply online and we aim to give you an initial decision quickly, often within the hour during business hours. Approval still depends on lender criteria.

We are upfront about who we can help: if your main income is a benefit, or you are not currently working, we cannot arrange finance, and we will tell you so politely at the start.

Lenders look at the whole picture: your income and how steady it is, your existing commitments, your credit history and the bike you want to buy. Having these ready speeds things up:

  • Your driver licence.
  • Proof of address.
  • Proof of income, such as recent payslips.
  • Details of the bike if you have found one: make, model, year and price.

Credit history

What is the minimum credit score to finance a motorcycle?

There is no single minimum credit score for motorcycle finance in New Zealand. Each lender sets its own criteria and assesses your whole application rather than one number.

Your credit history matters, but so do your income, your existing debts and how the loan fits your budget. The age, value and type of bike can also affect how a lender views the application.

The simplest way to find out where you stand is to talk to us, and to be open about anything on your credit file. All lending is subject to lender criteria.

Road, trail or scooter

Can you get finance for a scooter?

A young man holding an open-face helmet as he unlocks the seat of a cream scooter on a leafy street of timber villas

Talk to us about the bike you have in mind, from a commuter scooter to a road bike, tourer or adventure bike. Scooter finance follows the same process as a motorcycle loan; whether a particular bike can be financed depends on the lender, its age and value, and your application.

Buying from a dealer? Compare any promotional finance on offer with broker-arranged finance; the table further down sets out the differences. Buying privately is fine too, subject to lender criteria.

On a learner or restricted licence? Check with NZ Transport Agency Waka Kotahi which motorcycles you are allowed to ride before you choose, so the bike you finance is one you can ride legally.

Weighing up a car or ute instead? Our vehicle finance page covers the other vehicles you can talk to us about.

How it works

From application to riding away.

Four steps, starting online. When you are ready, apply for motorbike finance, or call us on 0800 995 014 if you would rather talk.

  1. 01

    Tell us about you and the bike

    Apply online, or call 0800 995 014 if you would rather talk it through.

  2. 02

    Get an initial decision

    We aim to come back to you with an initial decision within the hour during business hours, subject to lender criteria.

  3. 03

    Verify and sign

    The lender checks your licence, address and income, then you read and sign the loan documents.

  4. 04

    Get funded

    Once approved and signed, funding usually follows within 24 to 48 hours.

Side by side

Dealer promotional finance or a broker?

Both can work. The difference is mostly where the finance comes from and what it is tied to.

What to compareDealer promotional financeFinance through a broker
Where it comes fromArranged by the dealership, often through a finance partner of the bike brand.Arranged by a broker such as FME, who works with you on the application.
Which bikesUsually limited to selected models or stock at that dealer.Not tied to one dealership. Dealer or private sales, subject to lender criteria.
The advertised ratePromotional rates can come with conditions, such as a set deposit or term.Depends on the lender and your application. There is no headline rate to advertise.
Who you deal withThe dealership’s finance staff.FME, from application to funding.

Whichever you choose, compare the total amount repayable and the fees. General information only, not financial advice. Rates, fees and terms vary by lender, and all lending is subject to lender criteria.

Related

More vehicle finance.

Questions

Motorbike and scooter finance, answered.

Quick answers. Longer chats are welcome on the phone.

We aim to give you an initial decision quickly, often within an hour of applying online during business hours. Once your loan is approved and the paperwork is signed, funding usually follows within 24 to 48 hours.

Yes. Talk to us about the scooter you have in mind. Scooter finance follows the same process as a motorcycle loan, and whether a particular scooter can be financed depends on the lender, its age and value, and your application.

Yes. We arrange motorbike finance for private sales as well as dealer sales, subject to lender criteria. Tell us how you are buying when you apply.

Approvals typically remain valid for 30 days, which gives you time to choose a bike.

No. Our repayment calculator gives estimates only. Your actual rate, fees and repayments depend on the lender and your application.

Applications are not an offer of finance. All lending is subject to lender criteria, affordability, verification and responsible lending checks. Calculator results are estimates only. This page is general information, not financial advice.

Finance Made Easy is a trading name of TrueNorth Financial Services Limited, FSP1011270, and a member of Financial Services Complaints Ltd (FSCL), membership 9517.

Request a call back

Rather we call you?

Answer a few quick questions and we aim to call you within 15 minutes during business hours. It is an enquiry with no obligation, and it is not an offer of finance. Ready to go? Apply online now.

  • Vehicle loans, personal loans and mechanical warranties
  • Plain English, no jargon
  • We aim to call you within 15 minutes during business hours
Prefer to talk? 0800 995 014 info@fmefinance.co.nz

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