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Yamaha Finance Options

Finding the best deal on finance for your new motorcycle or scooter is easy to do online – find out Savvy saves money.

Compare best Yamaha finance options

Australian Yamaha finance options 

Yamaha has been making amazing motorbikes and scooters for a long, long time. Finding the right motorcycle to suit you shouldn’t be a problem – but what about getting a great deal on finance? Well, the good news is that your Yamaha finance options are many – and there’s at least one to suit all types of buyers. Whether you want to lease a scooter or purchase a bike outright, Savvy helps thousands of Aussie riders get in the saddle every year. 

Find your ideal Yamaha finance options

Savvy appreciates that all riders have different needs, incomes, and priorities, so we try to match you with the best lender and deal. We deal with an extensive panel of lender partners so we can access offers from niche and specialist lenders who understand motorcycle finance. That increases competition for your business, but you’ll find products designed specifically for riders, too. For tailored Yamaha finance options, Savvy has got you covered. 

Your Yamaha finance options explained by savvy

How Yamaha finance options work, how to buy your new bike, and the costs of secured motorcycle loans explained

How does Yamaha motorcycle finance work? 

Buying a new Yamaha is convenient and simple. Specialist lenders use your bike as security for your loan so that keeps interest rates surprisingly low and affordable. When you apply for a bike loan via Savvy, you’ll be tapping the power of a broad panel of loan providers who offer products designed specifically for bikers and flexible terms. You can buy brand new, second-hand, and you’re free to purchase from a private seller or a dealer. 

Lenders will ask to see your ID and some proof of income like your bank statements. You can apply exclusively online if you want, or talk with one of our friendly expert bike finance brokers. Once your loan gets approved, the finance provider will pay the dealer of private vendor directly, so there’s no waiting around for cheques or bank transfers. Secured bike loans come with repayment terms between one and five years. You can use a deposit or trade-in, borrow 100%, and payments are fixed for the duration of the finance agreement. 

How do I get approved for Yamaha finance and find the best deal?

The best way to achieve both of those things is by using a bike finance broker. That’s because at Savvy, we partner with a large panel of specialist lenders so we can offer Australians products that suit their needs, incomes, and lifestyles. When you apply for a motorcycle loan via Savvy, you’ll be able to compare more products and offers, and we’ll match you with lenders that fit your circumstances. There are a lot of lenders out there, and it’s a real advantage to be able to weigh up different offers and providers all in one place. 

 

Accessing specialist lenders and products means you’ll find lower interest rates and loan providers that cater for your interests, whether you’re a hobbyist rider or use your bike to commute. Getting approved for bike finance is easy when you choose Savvy – you can do everything you need online, like uploading documents and filling out forms, even signing agreements. Our bike finance brokers are also on hand to advise about qualification requirements too, so it’s the best of both worlds. 

Popular Yamaha motorbikes

The Yamaha YZF-R6 Superbike 

The road-going version of the R6 that’s won several Supersport World titles in recent years is no slouch either. The YZF-R6 comes with some all-new bodywork designed to decrease drag and create a more aggressive silhouette. An inline four-cylinder 599cc engine provides heart-stopping performance, producing 81kW at 14,500rpm with the bike weighing in at only 190kg. If you want all the thrills of the racetrack at your fingertips, combined with the versatility of a lightweight, powerful daily ride – this could be your ideal bike. 

 The Yamaha TMAX 560 Scooter 

The ever-popular TMAX was first launched nearly twenty years ago. To celebrate that success, Yamaha has given us a brand new version. The latest TMAX comes with a powerful 560cc engine on the inside and upgraded aerodynamics on the outside. Coupled with a lightweight aluminium frame, that makes for some startlingly good performance around town. With loads of storage and a sporty new look, you can take the TMAX 560 anywhere and do anything you want.  

Why Australian bikers find their finance with savvy

Don’t settle for run of the mill finance. Get the freedom to ride and the power to save money with Savvy 

All your frequently asked Yamaha finance options questions 

No-deposit bike finance, balloon payments, buying second-hand, and how to qualify for motorcycle finance online 

Can I get 100% bike finance?

You don’t need to have a deposit to qualify for bike finance, and you can even use a trade-in at the dealership if you don’t want the hassle of selling your current ride privately. 

Can I get bike finance with a bad credit history?

Savvy has access to several lenders that offer bad credit bike financeso you’ll still get a competitive quote, even if you’ve had a few problems with loans in the past. 

How do I qualify for motorbike finance?

You’ll need to be eighteen or over and a citizen or permanent resident of Australia. Some working visas may also qualify. Lenders will want you to demonstrate some form of regular income. You’ll also need to supply ID documentation. You can do everything online, so the process is quick and easy.

Can I buy a used bike using finance?

You absolutely can. If you’re thinking about buying an ex-demo or other used motorcycle, it’s a great idea to get pre-approved for bike finance. Doing so means you can shop around with confidence and act quickly when that bargain comes up. 

Why Should I avoid dealership finance?

Dealership finance has a few significant drawbacks. One issue is that you’re relying on the salesperson to sort you out on two fronts – a fair price on the bike and a reasonable rate on the finance. You also get fewer choices because most dealers either partner with a single lender or just a handful.  

Save money on Yamaha finance options by staying savvy

Keeping the cost of your Yamaha finance down is as simple as giving some thought to the following factors

Establish a budget and stick with it

Before applying for motorbike finance, make sure you don’t borrow more than you need. Find the Yamaha that best suits your needs as a rider and don’t deviate from that. Adding small upgrades and creeping up the model list may not seem like much, but extras add up. Often, you’ll end up with things you don’t need, and that will drive up the cost of your finance. Establishing a realistic budget won’t just save you money, it’ll also mean you’re far more likely to qualify for Yamaha finance too.  

Avoid 0% finance offers

When you see 0% deals or other seemingly too-good-to-be-true low-interest rates for Yamaha finance options, they probably are just that – too good to be true. Vehicle loan interest rates get worked out based on what you buy and factors like your past credit history and job. Zero per cent motorbike finance is a myth, and you’ll pay in other ways, through fees and price hikes on the bike you’re purchasing. It’s always best to compare finance deals on a website like Savvy, using comparison tables that display all the costs of a loan.  

Borrow within your means

The last thing you want to do is overextend your finances. Before you apply for Yamaha finance options, take a good look at what you earn and what you spend, then take a view about what you can justify spending on a bike. After all, riding is supposed to be fun, so nobody wants leisure to become a burden. Remember that owning a motorcycle is about more than paying the asking price, there are multiple ongoing, regular costs associated with getting on the road. Take insurance, registration, and maintenance into account too.   

Limit the cost of your bike borrowing

A secured bike loan is a great way to own a Yamaha, but it’s essential to be Savvy about how you repay. With any finance, the more you borrow and the longer you take to pay it back determines the cost of borrowing. Be sensible about what you can afford each month, but don’t take a loan for way longer than you need – because doing that will drive up the overall cost of any Yamaha finance options out there. Remember that more interest gets added every month you repay, and that makes your motorcycle loan – and your new bike – more expensive.  

Get a pre-approved for Yamaha finance options

One of the best ways to reduce the cost of motorcycle finance is to pay less for the bike in the first place! Negotiating hard on the forecourt or with a private seller will often pay dividends. Both dealerships and private vendors are usually keen to sell motorcycles, but the key to getting the best deal possible is putting yourself in a confident financial position. Getting pre-approved for a loan does precisely that. It’s like having cash in your hand when you talk to the seller – and cash goes a long way toward closing great deals. Most lenders will pre-approve you for a few weeks or even a month, giving you plenty of time to find the right Yamaha and get a fantastic price. 

Consider using a deposit with Yamaha finance

If you can afford it, it’s well worth considering putting a chunk of your own cash toward your new Yamaha. That’s because you’ll be reducing the amount you borrow, which in turn, lowers the amount of interest you pay the lender. With secured bike loans, deposits are not compulsory, so it’s OK to get 100% Yamaha finance if you need to, but anything you contribute will lower the cost of borrowing. You can even use a trade-in bike at the dealership when you choose a secured motorcycle loan, and that has the same effect on how much interest you end up repaying. It can also save you the hassle of selling your current bike privately. 

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