Yes, you can finance a motocross bike in Australia. Many lenders on our panel provide loans for competition-ready dirtbikes, such as KTM SX-F, Honda CRF-R, or Yamaha YZ models. Whether buying new from a dealer or second-hand via private sale, finance options include secured loans (using the bike as collateral) or unsecured personal loans. Your eligibility and rate will depend on your credit score, income, and the bike’s age.

Yes, lenders offer finance for trail bikes used for recreational and off-road riding. With Ausloans, you can compare offers from over 70 lenders. Secured loans typically offer lower interest rates if the trail bike meets lender criteria, while unsecured loans are more flexible and can cover older bikes or additional costs such as gear and modifications.

Yes, finance is available for enduro bikes, which are designed for long-distance off-road racing and endurance events. Enduro bike models can be financed through both secured and unsecured loan options. Some lenders even allow accessories, trailers, and safety gear to be included in the loan. Finance terms typically range from 2 to 7 years, with rates based on your credit profile and income.

Yes, Ausloans works with lenders who provide finance for quadbikes used on farms, worksites, or for recreation. Whether you’re purchasing a new Polaris or Can-Am from a dealer, or a second-hand Yamaha or Honda through a private sale, there are options available. Finance can be arranged as a secured loan (with the quad as collateral) or an unsecured personal loan for older models and private sales. Business applicants, including ABN holders and companies needing fleets, can also access quadbike loan options designed for commercial use.

Yes, many riders choose unsecured personal loans to buy dirtbikes, particularly when the bike doesn’t meet secured loan requirements. A personal loan gives you flexibility to finance bikes from dealers, private sellers, or online marketplaces, and you can also include extras like riding gear, safety armour, and modifications. While interest rates for unsecured loans may be higher, they don’t require using the dirtbike as collateral.

No, a deposit isn’t always required when financing a dirtbike. Many lenders provide 100% finance, allowing you to borrow the full amount. However, paying a deposit can strengthen your application, improve approval chances, and reduce your monthly repayments. This is particularly helpful if you’re buying a high-value motocross or enduro bike, or if your credit profile is less than perfect.

With Ausloans, you can get pre-approved for a dirtbike loan before you hit the track or trail. Pre-approval gives you a clear idea of how much you can borrow, with conditional approval for a set loan amount (subject to final checks). This makes it easier to budget for your motocross, trail, or enduro bike, gives you stronger negotiating power with dealers or private sellers, and speeds up settlement once you’ve found the right bike. Unlike some lenders that run a full credit check upfront, Ausloans can provide indicative dirtbike pre-approvals using a soft check, so you can explore finance options without affecting your credit score until you’re ready to proceed.

Yes, finance options are available for riders with bad credit or past defaults. While interest rates may be higher than for standard loans, Ausloans’ AI-powered platform can match your application to lenders who are more open to bad credit dirtbike finance. You may improve your chances of approval with a deposit, proof of stable income, or by considering an unsecured loan if the bike doesn’t meet secured criteria.