Yamaha Finance Options

Compare the best finance deals for your Yamaha motorcycle or scooter from a wide range of lenders right here with Savvy.

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, updated on August 24th, 2023       

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Australian Yamaha finance options 

Yamaha has been making 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 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 partners so we can access offers from specialist lenders who understand motorcycle and scooter finance. For tailored Yamaha finance options, Savvy has got you covered. 

Motorbike finance banner

How does Yamaha motorcycle finance work? 

Buying a new Yamaha is convenient and simple. Specialist lenders use your bike or scooter as security for your loan, giving you access to lower rates than you'd receive on an unsecured loan. When you apply for a bike loan via Savvy, you’ll be tapping into the power of a broad panel of lenders who offer products designed specifically for bikers and flexible terms. You can buy brand new or 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. After you apply online with us, you can speak with one of our friendly expert bike finance brokers who'll help you through the application process. Once your loan is approved, your lender will pay the dealer or private vendor directly, so there’s no waiting around for cheques or bank transfers. Secured bike loans usually come with repayment terms between one and five years. You can use a deposit or trade-in, borrow up to 100% of its value and your payments are fixed for the duration of the finance agreement. 

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

One of the best ways to achieve both these things is by using a bike finance broker. That’s because at Savvy, we partner with a large panel of specialist lenders to 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 best fit your circumstances. 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 can potentially find lower rates and lenders which cater for your specific 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, filling out forms and signing agreements. Our consultants 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 is no slouch. The YZF-R6 comes with 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 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 new version. The TMAX 560 comes with a powerful 560cc engine on the inside and upgraded aerodynamics on the outside. Coupled with a lightweight aluminium frame, it 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

Save money on Yamaha finance options by staying savvy

Establish a budget and stick with it

Before applying for motorbike finance, make sure you don’t borrow more than you need. Adding small upgrades and creeping up the model list may not seem like much, but extras add up. 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. Zero per cent motorbike finance is a myth, and you’ll pay in other ways, such as through fees and price hikes on the bike you’re purchasing.

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 spend, as well as what you can justify spending on a bike. Remember that owning a motorcycle is about more than the asking price, as there are multiple other ongoing costs such as insurance, registration, and maintenance.

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, the more you'll pay in interest. Be sensible about what you can borrow and pay out your loan as quickly as you can comfortably afford.  

Get a pre-approval 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. Getting pre-approved for a loan can put you in a better position to do just that. Most lenders can pre-approve you for a few months.

Consider using a deposit with Yamaha finance

If you can afford it, it’s well worth considering putting a deposit 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 aren't compulsory, but anything will lower the cost of borrowing. You can even use a trade-in bike at the dealership. 

All your frequently asked Yamaha finance questions 

Can I get 100% bike finance?

Yes – 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 we can still help you compare any available options, 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 18 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.

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