Discover Jacaranda Finance



We give you the outcome of your application with 60 minutes


Quick Turnarounds & Decisions
$300 $4600
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Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Click here to see a worked example.

Ready to own your dream bike? Let us help, with a bike loan!

Cruise along with our bike loan, apply now up to $4,600!

Is cruising up the mountain in on your favourite motorbike, an ultimate dream? Well, at Jacaranda Finance we can turn that dream into a reality with a bike loan! We are 100% online and as a result are fast and convenient. We offer fast turnaround, a team of loan specialists ready to help at the touch of a button, and an easy loan application.

Our bike finance can get you on the road fast with our no-hassle loan application. Our initial loan application only takes 4 minutes to complete, and you’ll receive an outcome within 60 minutes of submission! It’s really simple and easy.

Let’s learn more about Jacaranda Finance bike loans and how they can help get you on the road.

how it works question

Firstly, who is Jacaranda Finance?

We are a 100% online loan company that provides small personal loans to everyday Australians. Our business is focused on a fast and easy loan service. In addition, borrowing money doesn’t have to be a hassle. With Jacaranda Finance it’s all available at the touch of a button.

A personal bike loan ranges from $300 to $4,600 and the loan term can range over 16 weeks to 24 months, depending on the bike loan amount.

Therefore, to get to know us more, here is a breakdown of what Jacaranda Finance does best.

So, are we fast?

We are lighting fast! Our bike loans application only takes 4 minutes to complete. And with a 60-minute turnaround, you’ll have your moolah before you know it. Our website has been designed to be customer friendly. It’s simple to navigate and it’s easy to discover all the information you need, before you are ready to apply for a bike loan.

To help make your bike loan experience hassle-free, we have designed a bike loan calculator. When you head to the Jacaranda Finance website, you’ll find a bike loan calculator conveniently located at the top of each page. It’s easy to use; simply select your loan amount and terms, then click APPLY NOW! As a result, you’ll be taken to the application page to complete our 4-minute bike loan application.

Do we offer breathable loan terms?

Our bike loan terms are flexible and breathable for all applicants. Furthermore, depending on your loan amount, you can select a loan term that reflects your other financial commitments.

Do we offer paperfree loans?

Jacaranda Finance loan service is 100% paper-free! You don’t even have to print out your loan contract, once approved. Simply sign online and receive your funds remotely. As a result, our loan service is fast, simple and environmentally minded! Save the trees, whilst applying for your personal loan.

Do we offer a simple repayment plan?

Yes! We utilise the latest in safe banking technology to set up automatic repayments straight from a nominated bank account. As a result, setting reminders for your loan repayments are a thing of the past with Jacaranda Finance.

Do we have 8 pt. Costs?

At Jacaranda finance, we believe in full transparency. We don’t hide our costs in 8 pt font at the bottom of our loan contract. Firstly, our costs differ depending on your loan terms. Furthermore, for small personal loans ranging from $300 to $2,000, there is a 20% establishment fee charged upfront + a monthly fee of 4%. For medium secured personal loans, it will cost an establishment fee of $400 plus an annual percentage rate of 48%. You’ll also be charged a $35 dishonour fee on both loan types if an automatic payment fails to come out of your account.

Are we a responsible lender?

When assessing bike loan applications, we adhere to responsible lending practices. We don’t approve a loan unless the customer can afford the repayments. However, we encourage everyone to apply for a bike loan, as we are more lenient compared to traditional lenders.

So, now you know a bit about us, get started by applying for a bike loan today.

how it works question

Why choose a bike loan over bike finance

When it comes to purchasing any vehicle, including a motorbike, there are several payment options available. You may choose to pay the amount upfront, take out a bike loan or seek bike finance. The dealer you purchase your motorbike from will offer a deal on bike finance, however, here at Jacaranda Finance we think it is important for you to have the ability to separate your loan from your purchase.

We want you to get the best deal possible and bike loans provide flexibility when it comes to financing your next biking adventure.

how it works question

What is a Jacaranda Finance bike loans?

Here, at Jacaranda Finance, we offer many loans – bike loans just being one of them!

We offer small personal loans and medium secured personal loans. Small personal loans range between $300 to $2,000 with a loan term ranging from 16 weeks to 50 weeks. Medium secured personal loans begin at $2,001 to $4,600 with a loan term ranging from 13 months to 24 months.

In addition, if you are unsure what the difference is between a secured and unsecured loan, don’t worry we have you covered!

Unsecured loan

An unsecured bike loan is a loan that isn’t secured by equity. A small unsecured bike loan is perfect for someone who needs an extra boost of funds to afford their dream wheels. Otherwise, if you’re hunting around for a used bike, a small used bike loan would fit you perfectly.

Secured loan

A secured personal loan is a loan that is secured by equity. Either another motorbike, car, boat or caravan are suitable forms of equity. A secured bike loan amount ranges from $2,001 to $4,600 and is perfect for someone hunting down their second bike to add to the collection. They’re also great for anyone looking for further addition to their motorbike fund.

Now you have all the information you need to help choose the right loan for you. If you have any further enquiries about the types of bike loans we offer, send us an email or call us today on 1300 189 823.

Alternatively you can go to the Moneysmart website

how it works question

How do I apply for a bike loan?

Jacaranda Finance has designed a loan process that is easy to follow. Here are a few simple steps to follow when applying for a bike loan.

  • Step one: Applying online

    Submitting your application online is simple and is paperwork free! Our online bike loan application only takes 4 minutes to complete. That’s it!

  • Step two: Assessing your application

    Once your bike loan application is submitted, we will assess it based on the personal details you provide. We will determine whether one of our bike loans are suitable for you.

  • Step three: No paperwork application

    When it comes to supplying supporting documents with your application, we utilise the latest in safe banking technology. As a result, we are able to access your bank statements and evaluate your spending habits to see if you’re suitable for a bike loan. We may need to contact you for further documentation depending on your situation. If this is the case, we will let you know via SMS or email.

  • Step four: Responsible lending

    When assessing your application we adhere to responsible lending practices. We never lend money to customers who cannot afford repayments. The last we want is to land you in unmanageable debt!

  • Step five: Get your Moolah!

    Once you submit your application, sit back and spend 60 minutes enjoying a cup of tea and a good book. If you are approved, we’ll transfer your funds into a nominated bank account instantly! You’ll receive the money not long after. Time may vary depending on the speed of your bank and what documents you supply.

how it works question

What do you need to apply for a bike loan?

When applying for a bike loan at Jacaranda Finance, we have a checklist to assess whether you are eligible. Here is our handy checklist to look over before you apply for your bike loan:


Be over 18 years of age

Receive a regular income into a personal bank account

Be an Australian citizen, or have permanent residency

mobile wifi
Have a direct contact number

Once you have checked you meet all these requirements you are ready to apply for a bike loan today!

how it works question

Do we perform credit checks?

We do adhere to responsible lending practices and as a result, do perform credit checks. However, we encourage anyone to apply, despite past financial mishaps. We want to give every customer a fair go, whilst continuing to honour our duties as responsible lenders.

We are, however, more lenient than traditional lenders. Jacaranda Finance is 100% online so, why not just apply and have a chat with our friendly customer service staff about your situation.

how it works question

can I still apply for a bike if I have bad credit?

Yes, we sure do!

We assess all our applications individually and encourage all those looking for a bike loan to apply. We are more flexible than traditional lenders and our assessment criteria are based on analysing your relationship with money and present financial situation.

how it works question

Am I still eligible for a bike loan whilst receiving Centrelink payments?

Yes, you are! We consider Centrelink payments a source of income. As long as you are receiving regular income for the past 90 days, you can apply for a bike loan.

We accept most forms of Centrelink payments aside from Newstart, Youth Allowance and Farm household allowance. Unfortunately, we cannot accept these payments as income as we consider them temporary sources of income. Here’s a handy list of Centrelink payments we do accept: