Gear up for the trails, take on the rough terrain and unleash your ride with confidence. BikePay makes it easy to finance your mountain bike — whether it’s a full-suspension trail shredder, hard-tail all-rounder, or e-MTB powerhouse — with flexible terms, fast approval and no hassle.
Why Choose BikePay for Mountain Bike Finance
Specialist for mountain bikes – You’re not just applying for any loan; we specialise in financing bikes built for rugged terrain, so we understand your needs.
Fast online approval – Complete our application in under 5 minutes, upload your docs and get matched to a lender fast.
Flexible terms & repayments – Borrow from $3,000 up to approximately $50,000, with loan durations from 1 to 7 years.
Dealer or private sale friendly – Whether you buy from a bike shop or a private seller, we can work the loan.
Transparent & fair – You’ll see interest rates, fees and payment breakdowns upfront; no surprises.
Australia-wide coverage – From the east coast to WA and everywhere in between, BikePay supports riders across Australia.
A loan comparison quote won’t impact your credit score
Bikepay is Australia’s Mountain Bike Loan Provider
Compare Loans
Access Australia’s leading lenders in one place.
No Credit Impact
Get personalised loan options without credit impact.
Low Fees
Know rates, repayments, fees — no surprises.
Fast Approval
Most applications approved within 24–48 hours
Personal Support
Talk to real people — no call-centre runarounds.
Eligibility Criteria
In order to apply for a bicycle loan, you need to meet the following eligibility criteria.
You should be at least 18 years or older.
You should be an Australian citizen or permanent resident.
Be in active employment.
Have no defaults (paid or unpaid)
Centrelink can be used as a secondary income with regular income.
Not be a current or prior bankrupt or be party to a court judgement.
Use our E-Bike Loan Calculator to get an instant idea of repayments based on your chosen amount and term.
Borrower FAQs
Can I get finance for a second-hand mountain bike?
Yes — we can finance both new and used bikes, whether bought from a retailer or a private seller.
Will applying affect my credit score?
No. Comparing loan options through BikePay won’t impact your credit file unless you proceed with a full lender application.
How fast can I get approved?
Most applications are reviewed within 24–48 hours.
What documents do I need?
At minimum: photo ID (driver’s licence or passport), proof of income (payslips or bank statements for PAYG; tax records if self-employed), bike purchase details
Can I make extra repayments or pay out early?
In many cases, yes. Most of our lenders allow early payout or extra repayments without penalty — we’ll make that clear in your offer.
What type of interest rate will I get?
Interest rates are fixed, so your repayments stay the same throughout the loan term. Rates vary based on your credit profile and chosen loan type, ensuring fairness and predictability.
Is this service available Australia-wide?
Absolutely. We operate nationwide including QLD, NSW, ACT, SA, WA, NT, TAs and VIC
Can I apply before I pick the exact bike?
Yes — you can get pre-approved based on your budget and credit profile before you choose the model or make your purchase.
Can I apply if I’m self-employed or hold an ABN?
Yes — self-employed and ABN applicants are eligible. We’ll ask for recent tax returns or BAS to assess your situation.
Can I finance an e-MTB, not just a regular mountain bike?
Yes — we support both standard mountain bikes and electric mountain bikes (e-MTBs).
Ready to hit the trails with your dream bike?
Get started now — complete our online form in under 5 minutes, upload your documents when you’re ready and get matched with lenders so you can hit the trails sooner.
A loan comparison quote won’t impact your credit score