Motorcycle and moped loans

A motorcycle loan from AA Money could help you cover the costs of purchasing a new or used motorcycle or moped.

motorbike category hero rect

Why get a motorcycle loan with us?


Tailored to your needs

You can set up a motorcycle loan or moped loan around your needs, affordability and over a time frame that suits you. With a personalised quote and a fixed rate, we put you firmly in the riders’ seat.

Quick Easy process

Get a fast decision

You can get an online decision fast by using our online motorcycle loan calculator and application form. Once you have applied, we aim to get back to you within one business day.

icon piggy bank

Quick access to funds

You can receive your money once your application has been approved and the loan agreement has been signed.


How to apply?

Our motorcycle loans calculator can help steer you in the right direction. You can quickly work out how much you can borrow and what your repayments could be.

Apply now

Flexible loan options

Flexible loan options

  • Fixed rates from 11.20% p.a.*
  • Conditionally approved loans valid for 30 days
  • Borrow up to 100% for a motorcycle
  • Loan terms from 1 to 5 years


What is a secured motorcyle loan?

A motorcycle or moped loan from AA Money is a form of secured lending. This means that the vehicle is used as security against your loan. This security is registered to us during the term of your loan to cover the cost of the loan in the unlikely event that you are unable to pay it back.

What do you need to apply for a motorcycle loan?

  1. A valid NZ Drivers licence or passport
  2. Proof of address
  3. Previous three months of bank statements

Who can apply for a motorcycle loan?

You can apply for finance with us if you’re at least 18 years of age, a New Zealand citizen, or New Zealand resident.

Is a motorcycle loan right for you?

As a responsible lender, AA Money must make reasonable enquiries about your spending patterns and to understand whether you have sufficient funds to service your motorcycle loan or moped loan repayments, prior to entering into a contract with you.

In some cases, a motorcycle loan or moped loan may not be the right option for you.

If you are unable to meet your loan repayment obligations, you risk losing your vehicle. If you have a motorcycle loan or moped loan with AA Money, and your debts are becoming difficult to manage, please talk to us.

What makes us different



We want you to know exactly where you stand from the very beginning. Our fees are communicated to you up front and there are no hidden costs.



Life's big decisions require trust, and for over 120 years, the AA has supported Kiwis when they need it the most.

Frequently asked questions

*Lending criteria, fees, terms and conditions apply. 

Actual rate will be allocated based on AA Money credit criteria.

Establishment fee of $235, Personal Property Security Register (PPSR) fee of $10.35, and Account maintenance fee of $2/month apply. For more information on interest rates, and the total cost of borrowing, view our pricing.

Apply with ease

Using our fast and secure approval process

Get started