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Choose Smarter Motorbike Finance,Choose Kiwi Car Loans!

Kiwi Motorbike Finance

If you are looking to buy a motorcycle and need help with smarter motorcycle finance, we can help. You may also be able to finance motorbike accessories which include items such as protective clothing and helmets might also form part of the finance arrangement.

We have 17 reputed dealers we work with across New Zealand to get you the best motorbike loan. With over 18,000 happy clients we work hard to provide you with quick, independent and convenient finance solutions. Your personal finance consultant will assist you with every aspect of arranging your finance.

For great deals and fast approvals, choose Kiwi Car Loans!

Talk to one of our finance experts today on or .

What you need to apply

You can apply online and can upload the documents listed below through a secure, paperless and electronic ID verification system.

We endeavour to get back to you without the inconvenience of leaving your work or home from your computer, tablet or mobile phone.

However you can apply in person at any of our branches nationwide and bring the documents below with you, we can usually give you an answer on the spot or simply call .

Valid NZ driver licence

Proof of address

Bank statement less than 30 days old

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Who can apply?

You can apply for finance with us if you fulfill these conditions.

  • You're a New Zealand resident or visa holder
  • You're over 18 years of age
  • Hold a valid New Zealand driver licence
  • Have a regular income

See how affordable your dream is with our calculator


6.95% 19.95%

$148 Apply Now

* Interest rate is indicative range only.


6.95% 19.95%

$26,952 Apply Now

* Interest rate is indicative range only.

Protect yourself from the unexpected

We can arrange:

  • Payment Protection Insurance
  • Guaranteed Asset Protection
  • Mechanical Breakdown Warranties
  • Comprehensive Motor Vehicle Insurance

Additional Insurance Products are also available to help protect you and your new asset.

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We work all days of the week to make sure smarter finance is made available to our customers on all days, including weekends! Call us to find out more and why we have over 25,000 happy customers.

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What our customers say about us

Tyler has been brilliant to deal with. I got in touch in a Sunday mid morning and had approval by Sunday afternoon. Can’t recommend him enough. He worked in with me and my needs and made sure everything was as seamless as it could be. Nothing was a problem and he was always quick to get back to me with answers to my questions. I’d definitely use him again.

Hilda E

Kiwi car loans are awsome i would like to say thank you to rachael and the team for making things so easy for me and they were great to deal with i would recommend them to anybody once again thanks heaps.

Lorne Thompson

Rachael is soo amazing.. She got everything done so quickly.. She was very friendly and easy to deal with. Thank You so much Rachael. Will definitely recommend you

Shanel Reddy

Ben and Rachael are the best finance broker i've never see in my life, Rachael is lovely friendly lady help us a lot. easy understand and high efficiency communicate. highly recommend to anyone who needs car finance.

YuLong Ning

Great service from these guys! Shweta is very prompt and professional and made sure everything was processed smoothly. She even went on holiday close to contract being signed and made sure that there were people to cover. Would use these guys again for sure!

Dave Willingham

Have had the out most amazing service for Jannine. She definitely worked very hard to help us get where we needed to be and with what we wanted!!! I would 110% recommend her and I will definitely be a return customer.

Hope Toon


1. What is a Motorbike loan?

A motorbike or motorcycle loan is a sum of money that is lent from a financial institution to you for the purpose of buying a motorcycle. The money is then paid back over a period of time with added interest to the financial institution. Motorcycle loans can either be secured, where an item of value is taken as collateral for security on the loan or unsecured where there is no collateral on the loan at all.

2. How does a motorbike loan work?

A motorbike loan starts with you completing a loan application process with a financial provider, where you will need to supply documents that show proof of income, proof of residence and proof of identity. Once the application has been submitted then it is up to the lender to determine if you are eligible for the loan. The lender makes this assessment by taking into account factors like your income, debts, expenses etc. If the lender is happy with your financial situation then the loan is approved and you can purchase the motorbike at the loan amount. After purchase you will need to make monthly repayments outlined in the loan agreement over the term of the loan.

3. Who can apply for a motorcycle loan?

If you’re a New Zealand resident or visa holder, over 18 years of age, hold a valid New Zealand driver licence and have regular income, you can apply for a motorcycle loan with Kiwi Car Loans

4. Should you get motorcycle finance?

A motorcycle loan is a great way to purchase your first motorbike when your savings don’t allow you to purchase it outright. Along with the immediate purchase & possession of your motorbike there are several other advantages of purchasing your motorbike through finance, these are outlined below:

Quick & easy process = Kiwi Car Loans have a full process which makes it quick & easy to get your next motorbike loan approved.

100% financing = If you don't have any initial cash to pay for the upfront loan costs then you can get 100% financing for your loan provider.

Tax deductions = buying a motorbike for a business means you can get tax deductions which in the end saves you money.

Builds credit history & improves credit score = lastly by being approved for a motorbike loan you can add to your credit history and if you can pay the loan back in time you can improve your credit score.

5. What interest rate do you charge?

Kiwi Car Loan interest rates vary depending on the individual applications. Some of the factors that are considered in determining the interest rates are credit ratings, how well you have paid off previous loans, secondary income etc. For more information on interest rates please contact us on .

6. How do I calculate motorcycle finance repayments?

Kiwi Car Loans have made it easy for you to calculate motorcycle finance repayments by creating an online which provides you with the amount of total repayments along with how much you can borrow.

7. Can you sell a motorcycle under finance?

If you have a secured motorcycle loan with the collateral being the motorbike you are trying to sell then you will need to talk with your financial provider to understand the next steps. If the collateral on the loan is not the motorbike but something else like a car then you can sell the motorbike but note you will still need to pay off the loan in full. Lastly if your loan is unsecured then you can sell your motorcycle as you like however again you will need to pay the loan back in full.

8. What does refinancing a motorbike loan mean?

Refinancing a motorbike loan essentially means you are replacing your current loan with a new loan from a different financial provider. The purpose of this change is to take advantage of a decrease in interest rates in order to save money on the loan over the long term. At Kiwi Car Loans we advise you to seek advice on refinancing from one of our .

9. How long does it take to get an answer?

We aim to get back to you within a couple of hours. If you would like to discuss your application urgently, please call us on .

10. Do you offer no-deposit motorbike loans?

Yes, we certainly offer no-deposit motorbike loans, apply or contact us on .