Motorcycle Finance.
You know which bike you want. What you need is the finance to get on it - at a rate that makes sense. Co-Pilot Finance & Insurance compares motorcycle loans across 60+ lenders to find the right structure for your situation, whether it's a brand new model, a quality used bike, or refinancing an existing loan.
Get a free quote
Won't affect your credit score.
What can we help you with?
Our Services
Motorcycle finance options - new bikes, used, refinancing and more
Maximise the potential of your next ride with our comprehensive motorcycle finance services. Whether you're buying your first bike or upgrading, our competitive rates and flexible terms make it easy and affordable.
New Motorcycle Loans
Maximise the potential of your next ride with competitive rates and flexible terms designed to fit your financial situation and get you on the road faster.
Used Bike Financing
Get a top second-hand motorcycle with transparent, reliable funding procedures that match your budget while offering access to a wide range of quality bikes.
Low-Interest Repayment Plans
Save money with low-interest motorcycle loans. Our finance packages are structured to offer the best possible rates and reduce your overall cost of borrowing.
Flexible Repayment Plans
Tailor your loan repayments to suit your lifestyle. Flexible repayment options allow you to manage your budget effectively with a schedule that works for you.
Insurance Package Options
Bundle your motorcycle finance with a comprehensive insurance package - from third party to full comprehensive cover - keeping you protected from day one.
Refinancing Existing Loans
Restructure your current motorcycle loan to reduce monthly repayments or secure a better rate. We assess your situation and find options that improve your financial position.
Run The Numbers
Calculate your motorcycle finance repayments
Enter your loan details
Estimated monthly repayment
$367.70
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term, plus a lump-sum balloon payment due at the end. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
What You Can Finance
What you can finance - motorcycles, scooters, ATVs and more
Motorcycle finance can be structured for a wide range of two-wheel and off-road vehicles - new or used, from entry-level to premium.
Eligibility
Motorcycle finance eligibility - what lenders in Australia look for
Most Australians with stable income and a reasonable credit history can access motorcycle finance. Co-Pilot works across a broad range of borrower profiles - including those with imperfect credit.
Age & Residency
Must be 18 years or older and an Australian resident or valid visa holder.
Employment & Income
Stable employment or a consistent, verifiable income source.
Credit History
A good credit history is preferred; Co-Pilot works across a broad range of credit profiles.
Repayment Capacity
Ability to service the loan relative to your income and existing financial commitments.
Why Co-Pilot
Why Co-Pilot for motorcycle finance - not just any broker
We work for you, not the lender
Co-Pilot is an independent broker. We're not tied to any dealership or bank - the finance we recommend is the one that suits your situation, not the one that earns a referral fee.
Lender relationships that open doors
With 60+ lenders on our panel, we access options not available at the dealer - including specialists for used bikes, ATVs, electric models, and borrowers with imperfect credit.
Honest advice on loan structure and balloon payments
Lower repayments with a balloon look attractive - but there are trade-offs at term end. We explain the numbers before you commit, so there are no surprises.
Clear communication, no surprises
You'll know where your application stands throughout. We move quickly when you find the right bike - pre-approvals available so you can negotiate with confidence.
Motorcycle finance - how it works
Tell us the bike. We'll sort the finance.
We look at the bike, your profile, and any trade-in or deposit, then compare options across 60+ lenders - including specialists for used bikes, ATVs, and borrowers with imperfect credit.
No hard credit enquiry at the comparison stage. Most approvals within 24-48 hours once you proceed. We handle the paperwork so you can focus on picking up the keys.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About Motorcycle Finance
Found the bike?
Let's get you on it.
Tell us the bike and your situation. We compare 60+ lenders - new, used, or refinancing - to find the right loan structure for you.