Motorbike Finance

We are specialists in motorbike finance, working with many clients over the years. Securing a pre-approved loan allows you to negotiate with the advantages of a cash buyer. New Zealand motorcycle loans typically range from a few thousand dollars into the tens of thousands of dollars. With time often of the essence, Crester Credit, as your finance partner, will do our best to make the process easy.


Flexible responsible lending

While many lenders take a one size fits all approach, we consider individual applications on their own merit. Check out our online motorbike finance calculator to get an idea of repayment terms and affordability.


Looking at the broader picture

Historically, a challenging credit history may have led to an immediate refusal when applying for finance. Today the situation is different. We take a look at the broader picture including, income, level of finance and security available.


Motorcycle financing interest rates

Our standard rates vary from 13.95% to 26.98%, dependent on circumstances, credit history and security available. We take a transparent and flexible approach to lending, seeking solutions to match your exact requirements.





Motorbike finance calculator

Compare and contrast repayment terms with our online New Zealand motorbike finance calculator. Normally when acquiring a motorbike you would pay a deposit with the vehicle also acting as security. Repayments can be spread anywhere up to 48 months and even beyond in certain circumstances.

I want to borrow:
I can afford to repay (per week):

$30 per week

Our maximum loan term is 3 years so your repayments on a $6650 loan must be $70 (or more) per week

Takes only 4 mins
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* This is an approximate loan duration based on assumed adequate security u0026 collateral, job security, income, residence situation and positive references.

Motorcycle finance

It is safe to say that the motorbike market is huge, with new vehicles being launched on a regular basis and an extremely active second-hand motorbike market. Prices can vary from just a few thousand dollars to the tens of thousands of dollars and beyond. Whether buying through a dealership or privately it is important to carry out basic checks. While nothing quite beats a new motorbike, depreciation may be an issue and you may find better value in the second-hand motorbike market. A well-maintained bike can last for many years although it is important to continue active repair and maintenance going forward. Nothing beats a bit of TLC!

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What’s the maximum motorcycle financing available?

In theory, we are able to offer finance up to NZ$100,000 although very rarely do motorbike finance applications come anywhere near this level. Typical motorcycle financing applications tend not to exceed NZ$30,000 with many second-hand motorbike acquisitions costing less than NZ$10,000. Our flexible approach to motorbike loans is appreciated by new and existing customers but we also need to be responsible regarding affordability. Crester Credit loan rates are fixed on approval, at between 13.95% and 26.98%, allowing customers to plan ahead with confidence. We are upfront and transparent regarding charges, loan terms and conditions and the level of security required. The typical loan duration tends to be around three years although we can provide finance for up to 4 years and beyond in certain circumstances. Nothing is off the table in our flexible approach to motorcycle financing.

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Buying a new or second-hand motorbike

It is important to voice a note of caution when looking to buy a second-hand motorbike, especially if the price looks too good to be true. You also need to be aware of the long-term repair and maintenance costs together with insurance. Whether you require motorcycle finance of just a few thousand dollars or tens of thousands of dollars, it is important to do your research before securing a purchase. A shiny eye-catching exterior could hide a number of mechanical and structural issues below the surface. Consequently, when looking at second-hand motorbikes, if you lack the experience, consider taking an expert with you. They may be able to identify potential issues, address these with the seller and advise you accordingly.

Handy tips

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Check all paperwork to avoid the scammers

When dealing with unknown third parties, it is important to approach with caution. Ensuring that all of the relevant motorbike paperwork is in order is an important step. Is the seller the legal owner, does the documentation relate to the vehicle and is there a full service history. On the verge of a significant investment, assume nothing!

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Compare and contrast motorcycle prices

Historically, it was far more difficult to compare and contrast the cost of motorcycles. However, the Internet has changed the way we operate, increasing the amount of information available and making it easier to compare and contrast motorbike prices. While conscious of comparative list prices and overall packages, you may be able to negotiate an improved deal.

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Interest rates on motorcycle financing

One of the reasons we retain existing customers and continue to expand our customer base is our flexible approach to motorbike finance. While fully appreciative of your situation, we are mindful of our role as a responsible lender. Interest rates vary from 13.95% to 26.98% with loans normally repaid over a period up to 48 months.

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Jump on the saddle and take it for a ride

The physical and often eye-catching appearance of a well-kept motorbike can very easily draw you in. But how does the motorbike actually ride? Are there any mechanical issues? How does the suspension hold up around corners? While obvious, it is crucial that you take a motorbike for a test drive before you part with a dollar

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Service history of the motorbike

A quick skim through a motorbike’s service history might suggest regular maintenance but what about the detail? Did the motorbike receive a full service, regular maintenance and repairs and more important, which parts have yet to be repaired. Regular repair and maintenance will significantly extend the life of any motorcycle and protect what could be a significant investment on your behalf.

Frequently Asked Questions

When looking to acquire a second-hand motorbike it is important to carry out a basic finance check. On occasion you may find that there is outstanding finance secured against the vehicle, which could prove extremely costly. Adopt the mindset of a dealer when looking to buy a second-hand vehicle; it’s all about protecting yourself.

While the cost of maintaining and repairing a previously well-kept motorbike is unlikely to be excessive, there are other issues to consider. Where will you store the vehicle? Have you checked out the cost of insurance? How much will it cost to service the motorbike? Not necessarily a game changer, it is important to be aware of potential costs going forward.

When acquiring any vehicle, whether a car, truck or motorbike, you would normally put down a deposit on purchase. This together with the motorbike would provide a level of security against motorbike finance. There may be some situations where additional security could help to either secure finance or reduce the overall cost. These are issues we can discuss when considering your application.

The requirements for motorbike financing may vary depending on the lender, but at Crester, you will need to have a valid New Zealand driver’s license, or photo ID, proof of income, proof of address, and a good credit score with security. You may also need to provide proof of insurance and a down payment.

We can finance most types of motorbikes, including standard, cruiser, sport, touring, and dual-sport bikes. However, we may have restrictions if the bike has been modified. If it’s insurable, it’s likely we’ll lend for it. It’s important to check with us first to see what types of motorbikes are eligible for financing.

The motorbike financing process is usually within 24 hours, subject to us checking that there isn’t any money owing (encumberance) on the vehicle. You can get a vehicle report here . It’s important to have all the required documents ready and to respond promptly to any requests from the lender to ensure a smooth and timely process.


Calculating time

Our online application form takes only six-eight minutes to complete. Start by filling this in, and if you’d like to talk with one of our loan officers, please make a note of it in the application.

Vehicle Finance Questions? Ask Our lending team

jeanette-crester-finance-employee Jeanette
finance-staff-karen Karen
finance-staff-jo Jo
finance-staff-skye Skye
finance-staff-peter Peter
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We appreciate that time is very often of the essence when it comes to buying a new or second-hand motorcycle, therefore we typically respond almost immediately. In the interests of transparency, our charges, interest rates, as well as terms and conditions are published on our website. An in-depth commonly asked questions page will also address various issues that may arise. We have the experience and the resources available to assist with all things related to motorcycle finance.

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