Bike Loans Australia Bike Loan Repayment Calculator
Calculate motorcycle loan repayments in seconds with our Bike Loan Calculator. Compare finance options and plan your ride with confidence.
Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.
Bike Loan Details:
Important!
Bike Loan Interest Rates differ from lender to lender and will depend on your individual circumstances (credit history, employment status, age, etc.). To find out if you qualify ... and for a free, personalised interest rate and repayment quote,
please CLICK HERE
Bike Loan Amortisation Calculator
The following amortisation graphs detail month-by-month data on the progress of the proposed loan. The first chart below examines the reducing loan balance over the course of the finance contract term. The second graph illustrates the portion of each monthly repayment allocated to payment of interest vs principal reduction.
How to use our Bike Loan Repayment Calculator
Our Bike Loan Repayment Calculator is designed to estimate your motorcycle loan repayments in seconds, so you can compare bike finance options and plan your budget before you commit. It is important because small changes to loan size, term length and interest rate can materially change your monthly repayment and the total interest you pay over the life of the loan.
This calculator provides estimates only and is not personal financial advice. Results do not take into account your objectives, financial situation or needs. Interest rates and fees vary by lender and your individual circumstances, and your final rate can only be confirmed after an application is assessed.
How to complete the form for the best result:
1. Purchase Price
Enter the bike purchase price as a whole number (no dots or commas). If you expect to borrow extra for on-road costs such as stamp duty, registration or insurance, include those amounts in the figure you enter so the estimate better reflects your likely loan amount.
2. Deposit or Trade-in Value (if applicable)
Enter your deposit or trade-in value as a whole number. If you have no deposit, enter 0. A higher deposit generally reduces the amount borrowed and can reduce interest paid over time.
3. Term of Loan (Years)
Select a term between 1 and 7 years. Longer terms typically reduce monthly repayments but can increase the overall cost of the loan due to more interest over time. Choose a term that fits your cash flow, not just the lowest repayment.
4. Interest Rate (% per annum)
Select an interest rate for the simulation. If you are unsure, test a conservative higher rate to see whether repayments remain affordable.
5. Calculate
Click calculate to generate your estimated repayment and amortisation visuals.
How to interpret the results:
1. Repayment estimate
Use the repayment figure as a starting point for budgeting, then stress-test by increasing the rate or reducing your deposit to see how sensitive repayments are.
2. Amortisation graphs
Review the loan balance chart to understand how quickly you reduce what you owe, and the interest versus principal chart to see how much of each repayment goes to interest compared with reducing the loan balance over time.
Motorbikes are becoming an increasingly popular mode of transport across Australia. Whether it's the allure of the open road, the convenience of easy parking, or the thrill of riding, more Australians are opting for two wheels over four. This surge in popularity brings with it the need for effective financial planning, especially for those considering purchasing a motorbike through a loan. - read more
The wind in your hair, the roar of the engine, and the freedom of the open road – there's nothing quite like the thrill of owning your dream motorcycle. For many enthusiasts, it's not just a mode of transportation; it's a lifelong ambition, a symbol of adventure and independence. But unless you've been saving for years, the prohibitive cost could make this dream seem out of reach. - read more
Welcome to the exhilarating world of motorcycle riding. Whether you're a seasoned rider or just getting started, there's something uniquely thrilling about hitting the open road on two wheels. - read more
Riding a motorcycle is an exhilarating experience, especially for female motorcycle enthusiasts who enjoy the thrill of speed. However, choosing the right motorcycle for speed is crucial to ensure a safe yet thrilling ride. - read more
The Australian motorcycle market experienced a slight downturn in 2025, with total sales decreasing by 1.3% compared to the previous year. According to the Federal Chamber of Automotive Industries (FCAI), 92,967 motorcycles and off-highway vehicles were sold throughout the year, reflecting ongoing economic pressures on discretionary spending. - read more
In a pivotal development for the motorcycle industry, KTM AG has successfully secured €600 million in funding to address its debt obligations, marking a significant milestone in the company's ongoing financial restructuring efforts. This funding ensures KTM's ability to continue operations and reinforces its position in the global motorcycle market. - read more
Stark Future, the Barcelona-based electric motorcycle manufacturer, has reported a remarkable 77% year-on-year revenue growth, achieving €115 million in revenue for the 2025 financial year. This significant increase underscores the growing demand for electric motorcycles and Stark Future's expanding market presence. - read more
In a significant development for the motorcycle industry, KTM AG has successfully secured €600 million in funding to meet its debt obligations, marking a pivotal step in the company's ongoing financial restructuring. This funding ensures KTM's ability to continue operations and reinforces its position in the global motorcycle market. - read more
