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MotorCycle Finance - Chattel Mortgage

A commercial loan designed to help customers purchase a new or used asset for business use. The loan features a fixed interest rate and no deposit requirement.

Business loansRates on applicationLender updated 1 Oct 2026

At a glance

Pricing
Rates on application
Fixed
8.39%
Loan size
$8,000 to $80,000
Upfront fee
$595
Monthly fee
$7.95

Rates

Every rate MotorCycle Finance publishes for this business loan, 17 in all.

TypeApplies toTermBandRateComparisonConditions
FixedMinimum rate for a Chattel Mortgage on a 2 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I2 yrs fixed-9.39%--
FixedRepresentative rate for a Chattel Mortgage on a 2 year term. At least 50% of applicants will receive the Representative rate, or lower. It is calculated based on the interest rate offered on recent l…P&I2 yrs fixed-15.39%--
FixedMaximum rate for a Chattel Mortgage on a 2 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I2 yrs fixed-22.64%--
FixedMinimum rate for a Chattel Mortgage on a 3 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I3 yrs fixed-8.39%--
FixedRepresentative rate for a Chattel Mortgage on a 3, 4, or 5 year term. At least 50% of applicants will receive the Representative rate, or lower. It is calculated based on the interest rate offered on…P&I3 yrs fixed-13.14%--
FixedMaximum rate for a Chattel Mortgage on a 3 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I3 yrs fixed-21.64%--
FixedMinimum rate for a Chattel Mortgage on a 4 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I4 yrs fixed-8.39%--
FixedRepresentative rate for a Chattel Mortgage on a 3, 4, or 5 year term. At least 50% of applicants will receive the Representative rate, or lower. It is calculated based on the interest rate offered on…P&I4 yrs fixed-13.14%--
FixedMaximum rate for a Chattel Mortgage on a 4 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I4 yrs fixed-21.64%--
FixedMinimum rate for a Chattel Mortgage on a 5 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I5 yrs fixed-8.39%--
FixedRepresentative rate for a Chattel Mortgage on a 3, 4, or 5 year term. At least 50% of applicants will receive the Representative rate, or lower. It is calculated based on the interest rate offered on…P&I5 yrs fixed-13.14%--
FixedMaximum rate for a Chattel Mortgage on a 5 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I5 yrs fixed-21.64%--
FixedMinimum rate for a Chattel Mortgage on a 6 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I6 yrs fixed-9.39%--
FixedMaximum rate for a Chattel Mortgage on a 6 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I6 yrs fixed-22.64%--
FixedMinimum rate for a Chattel Mortgage on a 7 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I7 yrs fixed-9.39%--
FixedRepresentative rate for a Chattel Mortgage on a 7 year term. At least 50% of applicants will receive the Representative rate, or lower. It is calculated based on the interest rate offered on recent l…P&I7 yrs fixed-14.34%--
FixedMaximum rate for a Chattel Mortgage on a 7 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I7 yrs fixed-22.64%--

Fees

7 fees published, grouped by when they're charged.

  1. When you take it outUp to $5954 fees, each listed below
  2. While you hold it$7.95 a monthMonthly repayment fee
  3. When you close it or pay it off$0 to $500Early termination fee

When you take it out4

  • Establishment fee
    $595
  • Introducer origination fee

    The origination fee will vary based on your introducer.

    $0 to $1,100
  • Personal Property Securities Register (PPSR) fee

    Fee payable for each security to be registered as a security interest on the PPSR website.

    $6
  • Security registration administration fee

    Fee payable for each security to be registered as a security interest on the PPSR website.

    $3.95

While you hold it1

  • Monthly repayment fee

    Payable each time a monthly repayment is due.

    $7.95 a month

If a payment is late or fails1

  • Dishonour fee

    Payable each time a payment instruction is dishonoured.

    $25

When you close it or pay it off1

  • Early termination fee

    Payable if the balance outstanding is repaid in full 6 months or more before the end of the loan term. The early termination fee is calculated as 5% of the balance outstanding up to a maximum of $500.

    $0 to $500

Features

  • Where available, additional finance inclusions such as comprehensive insurance and extended warranties may be included in the total amount financed, subject to credit criteria.
  • Where available, option to include a balloon payment for loan terms up to 5 years, subject to credit criteria.
  • Have the certainty of a fixed interest rate and repayment amount for the life of the loan.
  • Available terms of 2, 3, 4, 5, 6 and 7 years.
  • Finance available for new and used assets including motorcycles, all-terrain vehicles (ATV), side-by-side vehicles, personal watercraft assets, ride-on mowers or trailers.

Eligibility and limits

  • Minimum age 18
  • Residency: Applicants must be an Australian or New Zealand citizen, or a permanent Australian resident, or hold an acceptable visa that is valid for the loan term. Applicants must reside in Australia.
  • Available to businesses
  • Amount $8,000 to $80,000
  • Applicants must hold a valid licence suitable for the asset being financed.

Published by MotorCycle Finance under the Consumer Data Right, last changed by them on 1 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.