ammf
Motorcycles, Marine

AMMF - Powering Your Passion

Australian Motorcycle and Marine Finance (AMMF) makes it easier for riders and boating enthusiasts to power their passion with flexible finance solutions. Whether you’re buying a new bike, upgrading your boat, or investing in marine equipment, AMMF offers competitive finance options designed to help you get what you want sooner. With a focus on real value and a straightforward process, they take the hassle out of financing your next motorcycle or marine purchase.

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AMMF Motorcycle Finance

AMMF Graphic

AMMF motorcycle finance is built for riders purchasing new or used bikes through authorised dealers. Backed by Yamaha Motor Finance, they focus on fast approvals, competitive rates, and straightforward terms for a wide range of motorcycle brands. Whether you’re upgrading, buying your first bike, or looking for flexible repayment options, AMMF provides a streamlined way to get on the road sooner.

7.45%

Motorcycle Loan Rate

Secured loans: Interest rates start from 7.45%, however rates may vary based on your credit profile & the asset. 

1 -7 Years

Loan Term

Wild Question Marks and devious Semikoli, but the Little Blind Text didn’t listen.

$4,000+

Loan Amounts

Borrow from $4,000. No maximum loan amount at AMMF.

Repayment features:

Balloon payments can range from 25% to 45% of the motorcycle purchase price for commercial applicants depending on the loan term, to a maximum of 5 years. 

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AMMF Boat & Jet Ski Finance

AMMF Graphic 2

AMMF marine finance supports buyers looking for new or used boats, PWCs, and jet skis through dealer networks. As part of Yamaha Motor Finance, they offer competitive rates, simple applications, and finance options suited to everything from runabouts to high-performance wave runners. If you want a smooth, reliable finance experience with flexible repayment choices, AMMF helps you get out on the water faster.

6.95%

Marine Loan Rate

Secured loans: Interest rates start from 6.95%, however rates may vary based on your credit profile & the asset. 

2-7 Years

Loan Term

2 - 7 years for most products.

$4,000+

Loan Amounts

Borrow from $4,000. No maximum loan amount at AMMF.

Repayment features:

Balloon payments for commercial applicants can range from 25% to 50% of the vessel purchase price depending on the loan term, to a maximum of 5 years.

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AMMF Marine & Motorcycle Finance

Finance purchases from

  • Dealerships (New, Demo & Used)
  • Private Sales
  • Accessories up to 10% of asset value
  • Multiple assets can be purchased on one loan contract

Fees:

  • Establishment Fee: $395
  • Account Keeping Fee: $5 monthly
  • Origination Fee: $900

Features of this loan

Consider the following features before applying for this loan:

  • Secured Loan – Get competitive rates with your purchased asset secured against the loan as collateral
  • Flexible terms – Choose a repayment period anywhere from 2 years right up to 7 years (84 months).
  • Unlimited max loan amount – Borrow from $4,000 with flexible repayments matched with your budget.
  • Fast approval and funding – Once approved, the money could be in your account within 24 to 48 hours.
  • Convenient repayments – Stay on top of your loan with weekly, fortnightly or monthly instalments.
  • Personalised rate – Check your personalised interest rate in just two minutes, before you commit to applying.

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AMMF Features & Benefits

AMMF offers simple and reliable finance solutions for motorcycle, boat, and jet ski buyers across both personal and commercial needs. Rather than relying on rigid bank-style criteria, AMMF looks at real-world affordability, making it easier for enthusiasts and business operators alike to secure finance for new or used assets purchased through authorised dealers. With competitive rates, clear terms, and fast decisions, AMMF is a trusted option for riders and boaties wanting a straightforward finance experience and quick access to their next machine.

Industry Specialists

Work with a lender that understands your passion for adventure

Fixed Rates

Fixed rates across loan types offer budgeting certainty.

Fast Approvals

Decisions typically within hours of submission, not days.

Commercial Options Available

With competitive interest rates for ABN holders.

Flexible Repayments

Weekly, fortnightly, or monthly repayments to suit your budget.

Pros & Cons of Choosing AMMF

Pros
Cons
AMMF specialises in motorcycle and marine finance, making approvals and processes smoother for these asset types.
AMMF is not designed for bad-credit borrowers and usually requires a stable credit history.
They provide competitive, fixed-rate loans through both new/used dealers and private sellers, giving buyers predictable repayments.
Balloon options are only available for eligible asset-backed applicants, meaning not all borrowers qualify.
Applications are generally fast and straightforward, sometimes within hours of submission.
Finance for purchases in private sales are limited to Boat, Motor and Trailer packages (excluding sailboats) ONLY
Zero deposit options available for eligible clients.
Older assets may be harder to finance due to strict maximum asset age limits at the end of term.
AMMF offers no maximum loan amount, giving buyers the flexibility to finance high-value motorcycles, boats, and marine packages without lender-imposed limits.

FAQs About Australian Motorcycle & Marine Finance

Is it better to choose AMMF over a bank?
If you're buying a motorcycle or marine asset, AMMF is usually faster and more streamlined.

Banks can be slower and more rigid when it comes to motorcycles, boats, and jet skis. AMMF specialises in these assets, often providing faster turnaround times and a simpler process for dealer-sourced purchases. If your goal is to finance a motorcycle or marine asset efficiently, AMMF can be a smoother option compared to a traditional bank or lender.

Are AMMF loans suitable for buyers with past credit issues?
AMMF suits applicants with clear and stable credit.

AMMF is generally best suited to applicants with a stable credit profile and clear affordability. They are not positioned as a bad-credit or non-conforming lender. If you have missed payments, defaults, or a low credit score, you may find more flexibility through other lenders in the market. AMMF focuses on straightforward approvals for buyers who meet standard lending criteria across both personal and commercial finance.

How does AMMF finance compare to banks?
AMMF is more specialised, while banks are broader but often slower.

AMMF focuses on asset-specific lending for motorcycles, boats, and personal watercraft, offering competitive rates and clear terms for buyers purchasing through authorised dealers. Banks typically take a more generalised approach to lending, which can mean longer approval times and stricter criteria. For customers wanting a lender who understands motorcycle and marine purchases, AMMF provides a specialised, streamlined experience.

Can AMMF provide both personal and commercial finance?
Yes — they support personal buyers and ABN holders.

Yes. AMMF offers finance options for personal buyers as well as ABN holders who need motorcycles, boats, or jet skis for work or business-related use such as touring, fleet rental, or chartering. Whether you're upgrading your own ride or financing an asset for commercial operations, AMMF provides options across new and used purchases through authorised dealers. Their solutions are designed to support both lifestyle buyers and business operators looking for efficient asset finance.

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AMMF Loan Eligibility

To be considered for an AMMF loan, you’ll need to meet the following requirements:

  • Be an Australian citizen or hold permanent residency.

  • Be at least 18 years of age.

  • Currently employed and not serving a probationary period.

  • Have a clean record with no unpaid defaults or history of bankruptcy.

  • Provide valid identification (such as a current Australian Passport or Driver Licence).

What you’ll need to provide

When applying, you’ll be asked to supply supporting documents, including:

    • Recent payslips to confirm your income.

    • Bank statements to verify your financial position.

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Apply for an AMMF loan via Ausloans

Get access to AMMF loans — plus 70+ other Australian lenders — with just one application through Ausloans. Our AI-powered platform matches your profile with lenders most likely to approve you, saving time and finding your best rate without impacting your credit score. 

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Compare AMMF with Other Lenders

Explore how AMMF stacks up against other lenders on our panel. With Ausloans, you can compare rates and features across 70+ lenders in one application.

Get access to AMMF loans — plus 70+ other Australian lenders — with just one application through Ausloans. Our AI-powered platform matches your profile with lenders most likely to approve you, saving time and finding your best rate.

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