Kawasaki Finance

Confused by Kawasaki finance? This guide will help you understand how to buy a Kawasaki jet ski, bike, side-by-side or ATV.

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Here's how to use Kawasaki finance to buy a motorcycle, jet ski, side-by-side or ATV from the famous Japanese company.

How can you finance a Kawasaki?

Want to borrow money to buy a Kawasaki? These are some of your Kawasaki finance options:

  • Secured loan. A secured loan will leverage the value of the Kawasaki you purchase as security (or collateral) against the loan. That means there's a reduced risk for the lender because if you default on payments, it can reclaim the bike or ATV and sell it to recoup its losses. That means it will generally pass on a more favourable interest rate to you. On the flip side, you're generally more limited on what you can spend the loan funds on.
  • Unsecured personal loan. An unsecured personal loan is an option for when you don't want to use your Kawasaki as security for the loan. Your interest rates and comparison rates may be higher as there's more risk to the lender, but there are fewer conditions attached to the Kawasaki finance and how you spend your money.
  • Kawasaki finance. Kawasaki offers finance that allows you to buy a range of its products through its Kawasaki Motors Finance arm.
  • Chattel mortgage. This option is ideal for business vehicles as you have the potential to claim deductions come tax time. The financier takes out a mortgage on the vehicle when you purchase it which acts as security, but you own the vehicle. Once you've paid off the mortgage the lender no longer has an interest in it.

How to decide which Kawasaki finance to go for

Some features that will help you decide between lenders include:

  • The interest rate. The interest rate is a key deciding factor. Keep an eye on the comparison rate as this helps show the true cost of the loan, including fees.
  • Repayment flexibility. Lenders offer weekly, fortnightly and monthly repayment options so you can tailor these to your wage schedule. Some lenders also offer early repayments, but this might come with a fee.
  • Upfront and ongoing fees. Application fees, monthly charges, direct debit dishonour fees and early repayment fees are all ones to keep an eye on when comparing Kawasaki finance. They can really add up over the term of your loan.
  • Balloon repayments. This is where your lender deducts an amount from your principal at the beginning of the loan (thus reducing the amount of ongoing repayments) which must be paid in a large lump sum at the end of the loan term. This payment can be thousands of dollars.

Compare Kawasaki finance

$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Monthly Repayment View Details CTA
Wisr Secured Car Loan
From
4.74%
(fixed)
5.01%
You'll receive a personalised interest rate from 4.74% p.a. to 16.01% p.a. based on your risk profile
A flexible car loan from $5,000 - $64,000 with personalised rates and rewards for strong credit customers.

⭐Special Offer: Wisr's standard establishment fee $605 will be reduced to $195 for applications submitted through Finder. T&Cs apply.
You'll receive a personalised interest rate from 4.74% p.a. to 16.01% p.a. based on your risk profile
A flexible car loan from $5,000 - $64,000 with personalised rates and rewards for strong credit customers.

⭐Special Offer: Wisr's standard establishment fee $605 will be reduced to $195 for applications submitted through Finder. T&Cs apply.
Driva Motorbike Loan
From
3.69%
(fixed)
4.9%
You'll receive a fixed rate from 3.69% p.a.
Borrow between $2,000 and $250,000. Get personalised quotes from different lenders.
You'll receive a fixed rate from 3.69% p.a.
Borrow between $2,000 and $250,000. Get personalised quotes from different lenders.
NRMA Motorcycle Loan
From
6.24%
(fixed)
6.94%
You'll receive a fixed rate from 6.24% p.a.
Finance a new or used motorcycle with a loan from $5,000. No monthly fees and flexible repayments available.
You'll receive a fixed rate from 6.24% p.a.
Finance a new or used motorcycle with a loan from $5,000. No monthly fees and flexible repayments available.
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Compare Kawasaki insurance side by side and get quotes

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Awarded the 2021 Finder Award for Car Insurance - Value in QLD, SA, TAS, VIC, WA and Car Insurance - Features in NSW, VIC, WA, this policy offers solid coverage at a low cost. Budget Direct's claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

⭐ Current offer: Get 15% discount on first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Coles Comprehensive
Optional
Agreed or Market
Finder's summary: With Coles comprehensive car insurance, you could earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If your car is damaged, you could benefit from a one-week turnaround on repairs.

⭐ Current offer: Get 10% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Coles customers and Flybuys collectors.
Youi Comprehensive
Optional
Agreed or Market
Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in its policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also has a live chat feature on its site to talk through any questions.

Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service.
QBE Comprehensive
Green Company
QBE Comprehensive
Optional
Agreed or Market
Finder's summary: QBE is a sustainable insurance company and also Finder's Green Insurer of the Year 2021 award winner. This policy offers the highest level of protection available from QBE including three-year new car replacement.

⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those that are looking for a more environmentally friendly insurance choice.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You'll be able to choose how comprehensive you want your cover to be with optional extras like choice of repairer and the option of agreed or market value.

⭐ Current offer: Earn Qantas Points for joining and paying your premium. Sign up today and earn up to 20,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply.

Who it might be good for: People who'd like to earn Qantas Points.
Huddle Black Comprehensive
Agreed or Market
Finder's summary: Huddle's black comprehensive is its cover with highest limits and exclusive benefits. It includes roadside assistance. You can also get up to $2,000 for emergency travel and accommodation and up to $30 million legal liability cover.

Who it might be good for: Someone who wants a 24/7 claims processing.
ahm Comprehensive
Optional
Both
Finder’s summary: ahm comprehensive car insurance lets you choose higher excess to reduce your premiums. Its Fixed Kilometre Plan can save you up to 30% compared to its standard comprehensive cover.

⭐ Current offer: Sign up for ahm car insurance and you'll enjoy a $50 Visa e-gift card*. Offer ends 30 Jan.

Who it might be good for: People who drive less than 15,000 km per year.
Australia Post Comprehensive
Optional
Agreed or Market
Finder's summary: Australia Post car insurance offers comprehensive cover for things like theft, fire, new for old replacement and emergency accommodation and transport. Cover also extends to anyone who uses your car, not just you.

⭐ Current offer: Get $75 off your first year’s premium when you buy online. T&Cs apply.

Who it might be good for: If multiple people use the one car and you don’t want to worry about listing all drivers.
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Kawasaki history

Kawasaki is part of the Kawasaki Heavy Industries Ltd corporation. The company was founded in 1896 by Shozo Kawasaki. Kawasaki was concerned by ship sinking incidents, so he set up a shipbuilding yard with a focus on modern ship designs. Later, Kawasaki diversified into railway carriages, locomotives, submarines, airplanes, buses, helicopters and robots.

Of course, Kawasaki has also created a name for itself in the personal transport segment, producing motorcycles, ATVs, side-by-side vehicles and jet skis.

Kawasaki Australia motorcycle range

Here's a list of Kawasaki's 2021/2022 model line-up.

Kawasaki finance guide: Ninja 650 sportbike

ModelVariantsType
2021 Kawasaki Ninja 650Ninja 650, Ninja 650L SE, 650L (Touring)Sportsbike
2021 Kawasaki Ninja 1000SX1000SX SE (Touring), 1000SXSportsbike
2021 Kawasaki Z125 PROZ125 ProSportsbike
2021 Kawasaki Z400Z400Sportsbike
2021 Kawasaki Z650LZ650L SE, Z650LSportsbike
2021 Kawasaki Z900Z900Sportsbike
2021 Kawasaki Z1000Z1000Sportsbike
2021 Kawasaki Z H2Z H2Sportsbike
2021 Kawasaki Versys-X 300Versys-X 300 (Touring)Sportsbike
2021 Kawasaki Versys 650LVersys 650LSportsbike
2021 Kawasaki Versys 1000 SVersys 1000 S (Touring)Sportsbike
2021 Kawasaki Ninja 400Ninja 400, 400 KRT, 400 SESupersport
2021 Kawasaki Ninja ZX-6RZX-6R (636) KRT EditionSupersport
2021 Kawasaki Ninja ZX-10RZX-10R, ZX-10RRSupersport
2021 Kawasaki Ninja ZX-14RZX-14RSupersport
2021 Kawasaki Ninja H2H2, H2 SX SE (Touring)Supersport
2021 Kawasaki H2RH2RSupersport
2021 Kawasaki KLR650KLR 650, KLR 650 AdventureTouring
2021 Kawasaki Z900RSZ900RSRetro sport
2021 Kawasaki W800W800 Cafe, W800 StreetRetro sport
2021 Kawasaki Stockman 250Stockman 250Off-road
2021 Kawasaki KX450XKX450XOff-road/Motocross
2021 Kawasaki KX250XKX250XOff-road/Motocross
2021 Kawasaki KLX450RKLX450ROff-road
2022 Kawasaki KLX300RKLX300ROff-road
2021 Kawasaki KLX250SKLX250SOff-road
2021 Kawasaki KLX230RKLX230R, KLX230R SOff-road
2021 Kawasaki KLX230KLX230Off-road
2021 Kawasaki KLX150BF SEKLX150BF SEOff-road
2021 Kawasaki KLX140RLKLX140RLOff-road
2021 Kawasaki KLX140RKLX140ROff-road
2021 Kawasaki KLX110RLKLX110RLOff-road
2022 Kawasaki KLX110RKLX110ROff-road
2021 Kawasaki KX65KX65Motocross
2021 Kawasaki KX85KX85, KX85-IIMotocross
2021 Kawasaki KX250KX250Motocross
2021/22 Kawasaki KX450KX450Motocross
2021 Kawasaki Vulcan SVulcan S, Vulcan Cade, Vulcan S SELearner-Approved
2021 Kawasaki Vulcan 900 ClassicVulcan 900 Classic, Vulcan 900 CustomCruiser

Kawasaki Australia ATV range

2021 Kawasaki Brute Force 750 ATV

Kawasaki's ATV range includes the Brute Force 750 and Brute Force 300, which are both listed as agricultural ATVs. They also produce some smaller ATVs for kids, including the KFX90 and KFX50.

Kawasaki Australia side-by-side range

2021 Kawasaki Mule SX 4x4 SC Special Edition side-by-side

Side-by-sides are practical passenger-carrying vehicles that make a lot of sense for farmers, but also enthusiasts and owners of large properties.

You can get diesel or petrol models. Some variants can carry up to 6, with towing capacities of 903kg! Models vary from the Mule SX, a petrol 2WD side-by-side, to the Mule Pro-DXT, a 6-seater with 4WD.

For those who want to have some fun with side-by-sides, Kawasaki builds recreational utility vehicles. These include the Teryx KRX 1000, which has super-long-travel suspension, hydraulic disc brakes, a powerful 1.0-litre engine and beefy 31-inch bead-lock tyres and rims. This thing will go almost anywhere you want!

Kawasaki Australia jet ski range

2021 Kawasaki Jet Ski Ultra 310R

Did you know that the term jet ski is actually a trademark owned by Kawasaki? It has come to be used generically to describe a personal watercraft. Other examples where this has happened include Hovercraft, Sellotape and Allen key.

ModelType
2021 Kawasaki Jet Ski Ultra 301LXSupercharged sit down
2021 Kawasaki Jet Ski Ultra 310XSupercharged sit down
2021 Kawasaki Jet Ski Ultra 310RSupercharged sit down
2021 Kawasaki Jet Ski STX 160LXNon-supercharged sit down
2021 Kawasaki Jet Ski STX 160XNon-supercharged sit down
2021 Kawasaki Jet Ski Ultra LXNon-supercharged sit down
2021 Kawasaki Jet Ski SX-RNon-supercharged stand-up

Frequently asked questions about Kawasaki finance

Picture: Supplied

More guides on Finder

Car Loan Offers

Important Information*
Logo for IMB New Car Loan
IMB New Car Loan

You'll receive a fixed rate of 4.88% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one up to two years old.

Logo for Beyond Bank Low Rate Car Loan "Special Offer"
Beyond Bank Low Rate Car Loan "Special Offer"

You'll receive a fixed rate of 4.69% p.a.
Take advantage of a competitive rate, pre-approval and no early repayment fees when you finance a car under two years old.

Logo for RACV New Car Loans
RACV New Car Loans

You'll receive a fixed rate from 4.99% p.a.
A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.

Logo for NRMA New Car Loan
NRMA New Car Loan

You'll receive a fixed rate of 4.99% p.a.
Purchase a new or used car up to 2 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.

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