Time to hit the road?
With our competitive secured motorcycle and scooter loans, you can focus on having fun on two wheels instead of deciphering financial jargon. Just choose your ride and start focusing on your next road trip. Depending on your circumstances, you may have the option to include a deposit or a balloon payment which can help reduce your regular repayments.
Why finance your ride with Pepper Money?
A fixed interest rate that won't change for the term of your loan
Tailor your repayments with balloon and deposit options
Quick turnaround - Bike loan application response within 1-2 business days*
See what your repayments might look like if you apply direct with Pepper Money
Any calculations or estimations are based on the information you have entered, including the interest rate, and do not constitute an offer of credit or a formal credit quote. It does not take into account suitable product features or loan product types. Rates + repayments shown are based on user inputted data and does not take into account any aspect of the user's individual circumstances. All applications for credit must be verified prior to the formal assessment process. All applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Credit is provided by Pepper Asset Finance Pty Ltd ACN 165 183 317 Australian Credit Licence 458899.
What is the eligibility criteria?
- You're at least 18 years of age and are an Australian citizen, permanent resident, or hold a relevant work visa.
- You’re currently employed and not on probation (full time, part time, casual considered. Casual tenure must be > than 6 months).
- You have no current unpaid credit defaults or prior bankruptcies.
- You hold a current Passport or current Australian Driver Licence.
Our bike loan application process
1. Apply online
About 10 minutes
Eligible customers can apply online to finance a new, demo or used bike.
2. Application review
Within 1 business day
One of our lending specialists will touch base to discuss your application, assess your eligibility, and ensure you’ve provided all required documents.
3. Get an answer
Within 1 business day
Once your application is finalised and submitted for assessment, you’ll receive an application decision within 1 business day*.
Ready to take the next step?
Get to know our bike financing
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How can I apply?
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You can start your application online. Otherwise, call us on 137 377 to find out more.
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Who can apply?
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We finance bikes for individuals, sole traders, and company (private limited, sole trader, partnership) applicants. Balloon payments options are available.
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How long can my loan be?
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1 - 7 years.
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How much can I finance?
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You may be able to finance the full purchase of your bike (from $3,000 up to $55,000#) starting with $0 deposit.
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What bikes do you finance?
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You can finance any brand of road bike or scooter that can be registered to drive on the road. Eligibility criteria apply, including vehicle age and condition requirements.
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How often will I make repayments?
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Monthly, via direct debit from the borrower's Australian account.
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Can I add a balloon payment to my loan?
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Yes, balloon payments are available for new, demo or less than 1-year old bikes.
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What fees do you charge?
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- Loan establishment fee | $499
- Account keeping fee | $8.90/month
- Security registration and PPSR search fee | $8
- Early termination charge | Up to $750
- Account closing fee | $20
Interest rates, fees, charges, terms and conditions apply only to loan applications submitted via peppermoney.com.au. Different interest rates, fees, charges, terms and conditions apply to loan applications submitted via other channels.
Other fees apply including early repayment, default, and discharge fees. We may also pass onto you any third-party enforcement or recovery costs incurred by us, as permitted by law.
#limit of $50,000 for ATVs and off-road bikes.
Money management tips and tricks
From budgeting advice to tips to help your savings go that bit further, our resources have it all.
What our customers think about us
Great rate, great service
Got a loan for my new moped scooter through Pepper Money. Applying was quick and easy, and they had one of the most competitive rates available. Settlement was smooth and they worked everything out through the dealership. Customer service has been proactive and friendly - answering any questions along the way.
My dream bike is on its way
Pepper Money went above and beyond to secure my loan. I cannot thank them enough, true professionals. I would recommend their service to anyone in the future. Thank you again.
Magnificent
Definitely worth the effort, friendly customer service and strived to approve. They helped a lot and were very reasonable with loan amount, didn’t push to give more than I needed, in fact they assessed my situation and were compassionate and fast.
So helpfully simple
Quick, fast, and efficient. Thank you, Pepper Money, for helping me get the car I really wanted. I couldn’t be happier. They were patient and fantastically helpful. Would recommend to anyone.
Car loan
Pepper Money handled our car loan application from start to finish and was an absolute pleasure to deal with. The whole application process was a breeze, and we were lucky enough to be approved so I could purchase a new car! Couldn’t be happier with the service provided!
Exemplary service!
Fast, easy, and great service. I was looking for a small loan for a new family car and compared rates and costs. Pepper Money offered more flexibility and better terms than my bank. The whole process, from application to disbursement of funds, took just two days.
The important legal bits
Information is correct as at 23 September 2026 and subject to change at any time.
Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licenced financial or tax adviser.
All applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees, and charges apply.
Interest rates, fees, charges, terms and conditions apply only to loan applications submitted via peppermoney.com.au. Different interest rates, fees, charges, terms and conditions apply to loan applications submitted via other channels.
* Assessment timeframes vary depending on individual circumstances.
