Can I get finance for a second hand bike?

No matter whether you’re buying your bike brand new or second hand, Driva can help you find the best Kawasaki finance options.

Will my interest rate be fixed?

All of the motorcycle finance options that Driva facilitates are fixed-rate loans, which means that the amount you pay each month will stay the same over the duration of the loan. This makes it easier to budget, but also means that the only way you can reduce your monthly repayments is to refinance your loan.

What lenders do you work with?

Driva works with a panel of over 30 lenders to ensure that you’re getting the most competitive rate possible on your new bike. Different lenders have different lending criteria, but many are able to offer flexible loan conditions including flexible repayments and the ability to make an early payment, regardless of whether you’re buying a new or used motorcycle.

Kawasaki Finance | Apply Online Now

Kawasaki was founded in Tokyo in 1878 and originally existed as a shipyard, before they diversified into trains, planes and eventually automobiles, producing their first motorcycle in 1961. Kawasaki Motors is known for producing high quality and relatively inexpensive motorbikes, and many of its most popular bikes are variants of the Ninja model. They have a lineup of both on and off-road bikes, with some great options for beginner riders as well.

Whether you’re a seasoned professional or are buying a bike for the first time, there are some great Kawasaki finance options available to you, and Driva can help you navigate the world of bike finance.

Bike & personal details

Give us the details of the bike you’re looking at and your personal profile

Loan match

We check your profile against thousands of lender policies to find your matches. No impact on credit score!

Get approved

Approval can take anywhere from 2 hours to 2 days depending on which lender you’ve chosen.

Pick up your motorcycle!

The fun part. Search private sales and dealerships - or ask Driva to match you with a dealer!

Learn more about Kawasaki motorcycle finance

How to qualify & apply for Kawasaki finance

Each lender will have different eligibility criteria, but in most cases to be eligible for Kawasaki finance, you’ll need to be 18 years or older, either an Australian citizen or permanent resident, and regularly earning an income.

When it comes to submitting an application for Kawasaki finance, the only documents you’ll need on hand are your driver's license and two of your most recent payslips. In some circumstances, we may require additional documentation, but the Driva system will let you know if (and why) this is applicable to you.

Whether you’re looking for a trail bike like the Kawasaki KX450F, or the popular Kawasaki Z900RS Cafe, Drive can help you find the most competitive rate. To compare your Kawasaki Motors finance options, get started here.

Learn more: 8 things you should know about your credit score before applying for a car loan

How much should you spend on a new Kawasaki motorcycle?

There are a few questions you should ask yourself before you start shopping for your dream motorbike.

Do you want to buy something brand new? Or are you considering used bikes as well?
Where will you be driving the bike?
How often will you use the bike?
How much are you willing to spend in total? How much will you be able to spend on monthly repayments?

The biggest cost involved with buying a motorcycle is the bike itself. If you’re buying brand new, you’ll need to spend at least $5,000, but speciality and top of the range bikes can cost upwards of $40,000. If you’re wanting to save some money, considering second-hand bikes could be a good option for you.

There are also a number of ongoing costs involved with owning a motorbike. These include:

Registration. The process and cost varies between states and territories, but registration is a legal requirement for operating a motorcycle.
Insurance. In order for your loan to settle with any of the lenders on our panel, you’ll need to take out comprehensive vehicle insurance. This is in addition to the legally required compulsory third party insurance (which is often included in your registration cost).
Petrol. Though motorbikes are far more fuel-efficient than cars, this is still an important expense to take into account, especially if you’re planning on travelling long distances.
Maintenance and servicing. The amount of maintenance and servicing that your bike will require is largely dependent on the condition of your ride. As a general rule of thumb, you should get your motorbike serviced once a year or approximately every 4,000 to 8,000 kilometres.
Safety gear. Unlike a car, which comes with a whole host of inbuilt safety features, motorcycles require you to purchase additional safety gear in order to prioritise your protection. At the very least you’ll need a helmet, but it’s highly recommended that you also own a motorcycle jacket, pants, gloves and boots.
Roadside assistance. Having roadside assistance is super helpful in the event you have a flat tyre or a dead battery, and is great for the peace of mind it’ll bring you!

Learn more: The Cost of Owning a Motorcycle

What are my Kawasaki finance options?

There are a number of finance options available to you, and your best options will depend on a number of factors, like your credit score and whether you’re buying a new or used bike. Here are some of the most popular Kawasaki finance options:

Secured loan. One of our most popular loan products, your bike will be used as security against the loan, allowing you to access a lower interest rate.
Unsecured personal loan. The loan isn’t secured against your bike (or any other asset), meaning you’ll need to pay a higher interest rate, as your lender won’t have the same security that comes with a secured loan.
Commercial loan options. If you’re looking to buy a motorbike for business purposes, we also have a number of commercial finance options, including chattel mortgages and hire purchases.

When comparing interest rates, it is normally most helpful to consider the comparison rates on each loan, rather than the lender quoted Annual Percentage Rate (APR). This is because the comparison rate includes almost all of the fees that lenders will charge you on your loan. The APR, on the other hand, doesn’t include any fees, so it can be quite misleading and an inaccurate representation of how much you’ll need to pay.