Kawasaki Finance

On your bike! Learn about Kawasaki financing options and zip around town on your dream motorcycle

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Kawasaki was incorporated in 1896 in Tokyo, Japan. Since then it has established itself on the Australian landscape and become a key contender in the motorcycle market. So, whether you’re using your motorbike to get from A to B or prefer driving it offroad, you’re bound to turn heads as you zoom around on a Kawasaki motorcycle.

How can you finance a Kawasaki?

Financing a Kawasaki motorcycle is easier than you think once you know your options. Some of these include:

  • Unsecured personal loans. This unsecured personal loan is an option if 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.
  • Kawasaki finance. Kawasaki offers finance that allows you to buy a range of their products, including motorcycles, jetskis or scooters. You can generally apply for a maximum of $50,000 and the loan terms range from 12 to 60 months.
  • Novated lease. A novated lease is an agreement between you, your employer and a financial institution that allows you to make pre-tax repayments on your bike. You’ll end up with a higher disposable income as a result.
  • 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.
  • Motorcycle loans. This is a secured motorcycle loan, which means that the lender allows you to use the motorcycle as security and offers a lower rate in return. Loan terms vary between one and seven years.

How much will a Kawasaki cost?

Kawasaki models and their costs vary depending on what type you’re after. A 2018 Ninja 650L, for instance, will set you back $10,951. However, if you’re after a motocross bike, the Kawasaki 2018 KX250F, for example, will cost around $8,848.

Although motorcycles are cheaper than cars in terms of fuel, insurance and registration as well as general upkeep and servicing, this doesn't mean that they can be disregarded. Factor all these extras into your budget and the amount you want to borrow as they can add up quickly.

Another factor to consider is the total cost of your loan. If you’re not sure how much your motorcycle loan will cost you, use this car loan repayment calculator to work it out. Although you might know you want to borrow a certain amount, this calculator inputs the cost of interest and any other fees you might generate over the term of the loan.

How to decide on finance for your Kawasaki

Some features that will help you decide between lenders include:

  • The interest rate. The interest rate on offer will help solidify your decision. Keep an eye on the comparison rate as this factors in 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 income schedule. Some lenders also offer early repayments, but this might come with a fee.
  • Upfront and ongoing fees. Application fees, monthly fees, direct debit dishonour fees and early repayment fees are all ones to keep an eye on while looking for loans. They can 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 upwards of $5,000.

Compare the options for financing a Kawasaki below

$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Monthly Repayment View Details CTA
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.
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 - $63,000 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 - $63,000 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
2.85%
(fixed)
4.39%
You'll receive a fixed rate from 2.85% p.a.
Borrow between $2,000 and $250,000. Get personalised quotes from different lenders.
You'll receive a fixed rate from 2.85% p.a.
Borrow between $2,000 and $250,000. Get personalised quotes from different lenders.
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Compare car insurance side-by-side and get quotes

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
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. Also, get up to $200 for damaged or stolen groceries.

⭐ 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.
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 online discount + $100 gift card when you purchase by 11 July 2021. 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.
Virgin Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Finalists for the 2019 Finder Awards for Best Value Car Insurance, Virgin Comprehensive provides a good level of cover for a decent price.

⭐ Current offer: Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs apply.

Who it might be good for: People who'd like to manage their policy online 24/7.
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Awarded the 2019 Finder Award for the Best Value Car Insurance, 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.
Bingle Comprehensive
Market
Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics. You don't get to choose your own repairer, you're not covered for personal items in the car and unless you add it as an option, you won't get a hire car if your car is stolen. But this keeps its premiums low.

Who it might be good for: Someone who wants a low-cost option that covers them for the basics.
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.
Stella Comprehensive
Optional
Agreed or Market
Finder's summary: Stella’s a female-focused insurer. It'll cover you if your car is damaged as a result of domestic violence. It offers higher cover for baby gear than most, with up to $2,000 cover for prams, strollers and child seats.

⭐ Current offer: Get $50 cash back when you purchase online until 30 June 2021 using the code STELLA50. T&C apply.

Who it might be good for: Someone who wants a female-centred car insurance policy (it will cover men too).
Poncho Comprehensive
Agreed
Finder's summary: Poncho works like a monthly subscription – you pay monthly and can cancel and leave at any time. You can also list multiple cars and drivers under one policy, making it ideal for families and groups living together under one household.

Who it might be good for: People who want their car insurance month to month.
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Frequently asked questions about financing a Kawasaki

Picture: Shutterstock

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 4.99% 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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