Kawasaki

Kawasaki Finance

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

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.

Compare the options for financing a Kawasaki below

Updated August 22nd, 2019
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
From 6.99% (fixed)
7.7%
$5,000
1 to 7 years
$499
$0
You'll receive a fixed rate from 6.99% p.a.
Finance a new or used motorcycle with a loan from $5,000. No monthly fees and flexible repayments available.
6.69% (fixed)
7.04%
$2,000
1 to 5 years
$250
$0
You'll receive a fixed rate of 6.69% p.a.
Benefit from this competitive rate by securing the loan with a vehicle up to 6 years old. Use this flexible loan for any purpose.
6.99% (fixed)
8.1%
$5,000
1 to 5 years
$295
$10
You'll receive a fixed rate of 6.99% p.a.
Finance a new or used motorbike up with loans from $5,000 and benefit from flexible repayments.
From 5.71% (fixed)
6.57%
$1,000
1 to 7 years
$100 (from $100 to $500)
$10
You'll receive a fixed rate between 5.71% p.a. and 8.66% p.a. based on your personal credit history
A flexible loan to help you finance a car, motorbike or boat up to five years old.

Compare up to 4 providers

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 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.

Frequently asked questions about financing a Kawasaki

Picture: Shutterstock

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You'll receive a fixed rate of 5.49% 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.

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You'll receive a fixed rate from 5.69% p.a.
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