Why get a motorcycle loan with us?
Flexible loan options
We offer interest rates from 9.65% p.a. with flexible loan terms from 1 to 5 years, and repayment options (weekly, fortnightly and monthly), to suit your needs.
AA Member Benefit
AA Members receive a $50 establishment fee discount upon presentation of a valid AA Membership number.
Get a fast decision
You can get an online decision fast by using our online car loan calculator and application form. Once you have applied, we aim to get back to you within one business day.
Transparent
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.
Trusted
Life's big decisions require trust, and for over 120 years, the AA has supported Kiwis when they need it the most.
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.
Motorcycle licensing
Below is some practical information around getting your motorcycle licence from the team at AA Driving School.
To ride a motorcycle, you need a motorcycle licence. There are three types of motorcycle licences - learner, restricted and full licence.
The process to get a motorcycle licence is different from getting a licence to drive a car. Please see below for more information about the process.
Motorcycle learner licence
You must be at least 16 years old to apply for your motorcycle learner licence. There are two main steps:
- Complete basic handling skills test (BHST) with a motorcycle instructor. Recommended training and assessment providers.
- Sit learner licence test. Once you have completed a basic handling skills test, you will need to take your learner licence theory test.
Practice for the learner licence theory test. You can book, pay for and sit the test at any AA Licensing Agent around New Zealand.
Motorcycle restricted licence (class 6)
There are two options:
First option: Practical test option
- You must have held the class 6 learner licence for minimum of six months and be at least 16 ½ of age before applying.
- Sit and pass the 6 restricted practical test
Second option: Competency based training and assessment (CBTA) option
- Be assessed by an approved CBTA provider at any time.
- Produce 6R CBTA certificate at the driver licensing agent to apply for class 6 full licence.
- You must have held the learner licence for minimum of six months and be at least 16 ½ of age before applying.
For a motorcycle restricted licence you will need to successfully complete the competency-based training and assessment (CBTA) to apply for your licence.
If you have your motorcycle learner licence, there is no minimum time before you can apply for your motorcycle restricted licence. You need to be at least 16.5 years of age before applying though.
To book a CBTA or motorcycle riding lessons, we recommend contacting an approved motorcycle instructor.
Frequently asked questions
How can I get motorcycle or moped finance?
The first thing you could do is use a loan calculator to steer you in the right direction. You can quickly work out how much you can borrow and what your repayments could be.
Who can apply for a motorcycle or moped loan?
You can sit your drivers licence test at 16 for a motorbike but you can apply for finance with us if you're at least 18 years of age, a New Zealand citizen, or New Zealand resident.
What do you need to apply for a motorcycle or moped loan?
To complete your application you will need a valid NZ Drivers licence that needs to include your bike licence.
What are your motorcycle loan interest rates?
AA Money’s standard annual interest rates for motorcycle loans start from 9.65%. The rate you are charged will take into account a number of factors, including:
- the size of deposit
- how much you want to borrow
- the term of your loan
- your credit score
Want to know what interest rate you are eligible for? We need to understand a little more about you and your circumstances so please fill out an application form and we will get back to you. If you have any further questions regarding interest rates please contact us.
What are your fees and charges for a motorcycle loan?
You can view our fees and charges on this website
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*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.