The Riding Gear Budget Most Buyers Forget
Helmet, jacket, gloves, boots and weather layers can add up to a serious sum. Here is how to plan for it before you sign for the bike.
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Motorbike finance guides
Plan the route. Then the ride.
Straightforward guides for riders weighing up finance on an adventure, touring or road bike. Work out the budget, the gear and the paperwork first, then start an enquiry when you are ready.
- Free to enquire
- No obligation
- General information only
- ASIC MoneySmart
Four stages
to the keys
Each page is a stage on the trip. Start wherever suits where you are up to.
01Adventure and touring bikes
Big-tank, long-travel bikes come with luggage, protection and service costs worth planning for.
Open stage
02Road bikes and cruisers
Naked, sports, sport-touring and cruiser buyers: what shapes the loan and the ownership costs.
Open stage
03Gear and extras checklist
Helmet, jacket, boots, insurance, rego. A tick-list so nothing blows the budget.
Open stage04Selling your current bike
Upgrading? Selling privately can change how much you need to borrow.
Open stage
Gear checklist
The bike is only the first line item
A common surprise is how much sits around the purchase price. Before you commit to a repayment, tick off these.
- Helmet, jacket, gloves, bootsBudget for protective gear you will actually wear.
- Insurance quoteGet one for the exact bike before you sign.
- Registration and compulsory third partyCosts depend on your state or territory.
- First-year servicing and tyresEspecially for heavier touring bikes.
Your route, start to finish
- Pick the bike and the riding you will doAdventure, touring, road or cruiser: the riding shapes the bike, and the bike shapes the budget.
- Budget beyond the repaymentInsurance, registration, servicing, tyres and gear all sit alongside any loan.
- Get the numbers in writingAsk for the comparison rate, fees and total amount payable before you commit.
- Sort gear, insurance and regoLine these up before collection day so nothing blows the budget.
- Collect the keys and rideAny finance is subject to lender criteria and approval. General information only.
Latest
field notes
Practical reading for riders thinking about finance, gear and selling.
What an Adventure Bike Costs After the Repayment
Tyres, luggage, protection and long-distance servicing: a realistic look at the costs that sit around an adventure bike loan.
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Financing Your First Bike on a Learner-Approved Licence
A learner-approved bike narrows your shopping list before finance even enters the picture. Here is how to plan the order of operations.
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Ready when you are.
Enquiring is free and carries no obligation. Start an enquiry with our finance partner, or read the guides first. We are not a lender and this is general information only.