Dirt Bike Finance & Payment Protection
Repayment Calculator
Why finance through ShowShed
- Applications assessed same day, most weekdays
- Deposit from as little as 0% for approved applicants
- No early repayment penalties
- Optional Payment Protection Insurance add-on
- Finance available on both bikes and quads in stock
Payment Protection Insurance
Life doesn't ask permission. PPI covers your monthly repayments for a set period if you're unable to work due to redundancy, illness, or injury, so a rough patch doesn't cost you the bike.
Full terms, exclusions and premium confirmed during your finance application — our team will walk you through it before you sign anything.
Dirt bike finance in NZ: how it works
Buying a used dirt bike or quad on finance means a lender pays for the bike and you pay them back in regular instalments. ShowShed doesn't lend the money itself — we work with partner lenders, and every application is assessed against their lending criteria. Here's what the process looks like from start to finish.
- Pick your bike. Have a look through our used dirt bikes and quads for sale. Not sure which one suits? Message us and we'll talk it through.
- Apply online. Use the calculator above to get a rough idea, then hit “Apply For This Finance” and fill in the application. It only takes a few minutes, and you can do it from anywhere in New Zealand.
- The lender makes a decision. The lender looks at your application and may ask for documents or a quick chat. They'll confirm whether you're approved, and on what rate and term.
- Sign up and get your bike. Once you've read and signed the loan documents, we get the bike ready. Collect it in Hamilton by appointment, or we'll deliver it nationwide.
What you'll need to apply
Having these ready makes things quicker. The lender will tell you exactly what they need for your application.
- Photo ID, such as your NZ driver licence or passport
- Proof of address, such as a recent bill or bank statement
- Proof of income, such as recent payslips or bank statements
- Your contact details and a rough idea of your weekly outgoings
Deposits and trade-ins
You don't always need a deposit — some approved applicants can finance the full price. But putting money down reduces the amount you borrow, which means lower repayments and less interest over the life of the loan. Try moving the deposit slider in the calculator above to see the difference.
Got a bike or quad already? We buy them. The value of your current bike can go towards your next one, cutting down what you need to finance. Get a sale value for your bike before you apply so you know where you stand.
Payment protection, in plain English
Payment Protection Insurance (PPI) is an optional extra you can add to your finance. If you can't work because of illness, injury or redundancy, it covers your monthly repayments for a set period, so a rough patch doesn't cost you the bike.
It isn't compulsory, and it isn't right for everyone. Like any insurance it has terms and exclusions — for example, there are limits on how long it pays and what it covers. The full terms, exclusions and premium are confirmed during your finance application, and we'll walk you through them before you sign anything. Read the policy wording and ask questions if anything's unclear.
Dirt bike finance FAQ
Can I get dirt bike finance with bad credit?
Possibly. Lenders assess each application on its own merits, and some may be able to help people with a less-than-perfect credit history. We can't promise approval — that's always the lender's decision, subject to their criteria — but it costs nothing to apply and find out.
How long does finance approval take?
It's often quick once the lender has everything they need. Having your ID, proof of address and proof of income ready when you apply is the best way to avoid delays. The final timing is up to the lender.
Do I need a deposit?
Not always. Some approved applicants can finance with no deposit. A deposit or trade-in lowers the amount you borrow, which brings your repayments down.
What will my repayments be?
Your repayments depend on the lender's approval, the amount you borrow and the term. The calculator above gives an indicative estimate only — your actual rate and repayments are confirmed by the lender once your application has been assessed.
Can I trade in my current bike?
Yes. We buy dirt bikes and quads, and the value of yours can go towards your next bike. Send us the details through our Sell Us Your Bike page and we'll come back with a sale value.
Can I get finance if I don't live in Hamilton?
Yes. The application is online, so you can apply from anywhere in New Zealand, and we deliver nationwide. Lender criteria apply wherever you live.
Can I finance a quad as well as a dirt bike?
Yes. Finance is available on both the bikes and the quads we have in stock, subject to the lender's criteria.
Do I have to take payment protection insurance?
No. Payment Protection Insurance is optional. If you're interested, the terms, exclusions and premium are confirmed during your application, and we'll go through them with you before you sign.
What credit score do I need for dirt bike finance in NZ?
There's no fixed minimum — each lender weighs up the full application, not just a credit score. The only way to know for sure is to apply, which costs nothing and doesn't commit you to anything.