Low rate motorcycle loans

Quick and easy motorcycle finance. Fast online application and friendly customer service.

Secured and unsecured car loan terms from 6 months to 5 years.


A better way to borrow

With comparison rates up to 6% p.a. better than the 'big 4' banks, a RateSetter low-rate personal loan could save you thousands*

Get your personalised rate in 1 minute today, without affecting your credit score


Start here

Takes 1 minute and won't affect your credit score

Simply a better way to borrow

  • Low interest rates

    We reward good borrowers with low rate debt consolidation loans

  • Simply smarter

    No exit fees or early repayment penalties. Easy online loan management

  • Fast online application

    1 minute RateEstimate. 5 minute application

  • Take time to shop

    Haven’t found the perfect motorcycle? Our pre-approval can give you up to 60 days to find your dream wheels

Motorcycle loans in 48 hours

  1. 1

    Apply online

    Apply online in minutes

    5 minutes
  2. 2

    Hear from us

    A friendly RateSetter team member will reach out to ask some quick questions about your personal loan application

    2 hours
  3. 3

    Get a decision

    Some approvals happen within minutes, but it can take up to one business day to make a decision after we've received everything we need

    From 10 minutes
  4. 4

    Receive your funds

    Funds will be transferred to your bank account on the business day after your loan is funded. Same day transfer may be available in some cases

    Next business day
Save time before applying by making sure:
  • You are aged 21 or over
  • You are an Australian citizen or permanent resident, or a New Zealand citizen
  • You have a regular source of income
  • You have a good credit history

Helping more Australians secure low rate motorcycle loans


Value of personal loans funded

30,000+ delighted borrowers

Loved by auto buyers Australia-wide

RateSetter is rated 4.8 / 5 by our borrowers on independent review website ProductReview.com.au and 5 / 5 by rating agency Canstar. RateSetter offers the highest rated personal loan in Australia. 


"The customer service is excellent,
friendly and approachable.
Now I got the car I wanted
I am very pleased."

Maria Sydney

"I had no idea how much I could save. By moving over my personal loan from the bank to RateSetter, I'll be saving myself thousands in interest thanks to their very competitive rates"

Sam Gold Coast

"This is my first time to get a
car loan. Stress free application
and the staff is very supportive
and helped me all along the way."

Jason ACT
Sydney Morning Herald - Borrowers

"Watch out big banks, here comes RateSetter"

News - Borrowers

"RateSetter may be about to revolutionise the unsecured credit sector in the same way Aussie and Wizard rocked the mortgage market in the 1990s"


Frequently asked questions

Ready to get a motorcycle loan?

Get your personalised rate

RateSetter personal loan repayment terms range from 6 months to 5 years. Interest rates range from 3.7% (comparison rate 10.01%) to 9.6% (comparison rate 11.45%), subject to change depending on the rates offered by lenders in our Lending Markets. 

* Representative example: For a 36 month, $10,000 personal loan for a borrower with a good credit history at a comparison rate of 10.2% p.a., the estimated total amount payable including fees is $11,650 (interest payable is $1,412). 

Rates stated as at 9:00 AM, 18 January 2017 and are subject to change. RateSetter credit criteria and terms and conditions apply. Submit an application for a personal loan today.

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