Lenders look at your job for one reason: to judge whether your income is reliable enough to keep up repayments. Motorbike loans are usually smaller than car loans, which helps, but the employment rules are broadly similar. Here's how different situations are typically viewed.
Full-time or permanent part-time
The simplest case. Many lenders are comfortable once you're past probation. Some will consider you during probation if you've worked in the same field before without a gap. Have recent payslips ready.
Casual
Casual work is fine for plenty of lenders, but they'll usually want to see a track record, often around six months or more with the same employer, sometimes less if you've been casual in the same industry for longer. They may average your income over several months if your hours vary.
Just started a new job
A new job isn't necessarily a problem, especially if it's a step up in the same line of work. Your employment contract, first payslip and evidence of your previous job all help. See how long you need to be in a new job.
Self-employed or ABN holder
Lenders generally prefer an ABN that's been active for a while, often one to two years, although some lenders will consider newer ABNs, especially if you did similar work as an employee first. Expect to provide tax returns, BAS statements or an accountant's letter. Low-doc options exist if the bike is for business use.
Seasonal, contract or FIFO work
Contract and FIFO workers are often well paid, but lenders will want to see continuity: a current contract, time remaining on it, and a history of similar work. Seasonal workers may need a longer track record.
Other things that matter
- Licence: many lenders want to see an appropriate motorcycle licence, including learner or provisional, depending on the bike.
- The bike: age, value and whether it's road-registered all affect the type of loan. Off-road bikes are covered in how to finance a dirt bike.
- Your budget: living expenses and existing debts matter as much as your job.
Not sure your work history is enough? Tell us your job and the bike you're after in about 60 seconds and a licensed broker will call you. No credit check to enquire.
Related guides
General information only. This isn't financial advice and doesn't take your personal circumstances into account. Lender policies vary and change over time. Finance the Ride is a referral service and doesn't hold an Australian Credit Licence. Last reviewed September 2026.
