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. We offer flexible repayment options; allowing you to take advantage of lower repayments through contributing a larger upfront deposit or building a balloon repayment into the end of your loan. The choice (and flexibility) is all yours.
Why finance your ride with Pepper Money?
A fixed interest rate that won't change during your loan
Tailor your repayments with balloon and deposit options
Quick turnaround - we'll give you a decision within 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. All applications for credit must be verified prior to the formal assessment process. All applications are subject to credit assessment and loan eligibility criteria. 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 are an Australian citizen, permanent resident or hold a relevant work visa.
- You are currently employed and not on probation (full time/part time/casual > than 6 months).
- You have no current unpaid credit defaults or prior bankruptcies.
- You hold a current Passport or current Australian Drivers Licence.
- Apply online direct with Pepper Money or call us on 137 377.
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 private, sole trader, and company applicants. Balloon 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 can 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.
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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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Balloon payments are available for new, demo or less than 1 year old bikes.
1-3 year loan term: 50% balloon
4 year loan term: 45% balloon
5 year loan term: 40% balloon
6+ year loan term: 0% balloon
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What fees do you charge?
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- Loan establishment fee | $499
- Account administration fee | $8.90/month
- Security registration and PPSR search fee | $8
- 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.
#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 as at 13 November 2025 and subject to change at any time.
All applications are subject to Pepper Money’s credit assessment and loan eligibility criteria. Terms, conditions, fees, and charges apply. This is factual information, not a financial recommendation or tax advice. If you need advice, get in touch with a licensed financial or tax adviser.
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.
