Australia's Money Matchmaker®

Compare e-bike loan rates in 60 seconds

Get your best e-bike loan. Compare prequalified offers from 11 lenders. Apply with confidence.

  • Comparison rates from 4.99% p.a*
  • 100% free with no credit score impact
  • No hidden fees or broker fees
Best Match Guarantee
Best Match Guarantee
Australia's Money Matchmaker matching you with your best loans across multiple lenders
My matching process checks multiple lender rates at once, making it super fast to shop around.

Why Money Matchmaker®

Personal loan rates from 11 lenders in 60 seconds with Money Matchmaker
Real rates, not click bait

Rate comparison websites show you a low rate that hardly anyone qualifies for. We show real loan rates based on matching you to lender rules.

Money Matchmaker is 100% free to use
No hidden fees or paid promotions

A broker can add up to $1000 to your loan. A rate comparison site gets as much as $50 per click to a lender, so they don't care if you get rejected. We only charge the lender and we only do that if you take out a loan through us.

Money Matchmaker puts you in control of your loan choices
No time wasting or sales calls

Googling options and applying to each lender wastes time and can affect your credit score. Using rate comparison sites often leads to annoying sales calls. We show you options in 60 seconds with no follow up calls.

Loans for e-bikes

Written by

Shaun McGowan

An e-bike loan is a personal loan between $2,000 and $100,000, offered by lenders for a period of between one and seven years.

These loans can be secured or unsecured, depending on the value of any existing assets (property or vehicles) or the value of the asset you purchase (your e-bike).

Secured loans will require you to provide collateral of equal or greater value than the loan amount in return for a better deal, while unsecured loans usually cost more overall but offer greater freedom in how you use the funds.

Compare personal loans for e-bikes

Secured vs unsecured e-bike loans

A secured personal loan uses one of your assets as security, usually property or a vehicle, which you then use as collateral on the loan amount. This provides greater security to the lender that you will meet all your repayments.

The two main benefits of a secured e-bike loan are:

  • The ability to access a greater amount of finance
  • Generally lower repayments than unsecured loans

The two main benefits of an unsecured e-bike loan are:

  • The lack of security required for loan approval
  • The freedom to use the money however you choose

The real question to ask at this point is whether you’ll require additional funds beyond the purchase of the e-bike itself.

  • Will you need insurance?
  • Protective gear?
  • Servicing?

Because these additional costs aren’t included in the value of the asset (the e-bike), you may need to use an alternative asset with a higher value as collateral if you want to qualify for a secured loan.

Compare unsecured and secured personal loan interest rates in Australia.

Secured car loans are loans where your purchase is used as security

Find the best deal on e-bike loans


How to get an e-bike loan

You can qualify for an e-bike loan in Australia if you are:

  • Over the age of 18; and
  • An Australian citizen or permanent resident; and
  • Employed or have a regular source of income

If you meet the basic eligibility for a personal loan, you will then need to compare lenders and assess their individual approval criteria.

To get an e-bike loan you will need to:

You can ensure your application is processed faster by preparing supporting documents before applying, including:

  • Proof of identity - e.g. passport or driver licence
  • Proof of income - e.g. payslips, bank statements
  • Details of any current debts or other loans

You will need to provide personal identification and financial documents (usually your bank statements or recent payslips), as lenders will need to assess your financial stability and determine if you can service the loan amount.

How to qualify for a loan in Australia

Ready to find a loan for an e-bike?

The easiest way to find a lender who can offer you a personal loan for an e-bike is to simply use our Money Matchmaker™ engine.

We’ll compare the best loans we can find from our available pool of lenders, with your results personalised entirely based on a few simple questions.

You can see exactly how much you’ll pay with each lender, including all the little details like rates, fees, restrictions, repayments, and more. See what you can qualify for today.

Meet Money Matchmaker®

"Hey I’m Money Matchmaker®, I have a team of wizards making me super smart. I’ve been loaded up with all the information that lenders use, and when you take my quiz, I use your answers to check against all our lenders at once. I’m harmless, I don’t impact your credit score and I’ll show you the best loan matches I can with no brokers fees or annoying ads"

Money Matchmaker

Meet your potential e-bike loan matches

Meet Plenti
  • No Early Repayment Fees
  • No Monthly Fees
  • Get Funds 24 Hours From Approval
Meet OurMoneyMarket
  • No extra repayment or early exit fees
  • Funding approved in 24 hours
  • Up to $75,000 loan amount
Meet Society One
  • No ongoing fees
  • No monthly fees
  • No Deposit Required
Meet Wisr
  • Same day decisioning
  • No admin, early repayment or "risk" fees
  • Support from real people
Meet Fair Go
  • Build your credit score by making timely repayments
  • Once approved, loans are funded in minutes
  • Flexible repayments; weekly, fortnightly, monthly options
Meet Finance One
  • Pay your loan out early with no fees
  • Change payment dates and frequency at any time
  • Make extra repayments at any time
Meet Money3
  • Pay your loan out early with no fees
  • Increase regular payments to suit your situation
  • Make extra repayments at any time
Meet Jacaranda
  • Apply in under 8 minutes
  • Once approved, cash transferred in 60 seconds
  • No early termination fees
Meet Now Finance
  • Get a guaranteed, personalised rate in 2 minutes
  • Apply online in under 10 minutes
  • Weekly and fortnightly repayments
Meet Alex
  • $0 establishment fee
  • $0 ongoing fees, early repayment fees, exit fees
  • Multi Award winning and 100% digital

The right e-bike loan can save you $1,000s


About the Author

Shaun McGowan from



Shaun McGowan

Shaun is the founder of and is determined to help people pay as little as possible for financial products. Through education and building world class technology. Previously Shaun co-founded and Lend.

*Information about comparison rates Comparison rates are designed to allow borrowers to understand the true cost of a loan by taking into account fees and charges, the loan amount and the term of the loan. The comparison rate is based on an unsecured fixed rate personal loan of $10,000 over 3 years. WARNING: Comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.


Money Pty Ltd,
Suite 3, Level 2,
1 Taylor Street,
Moorabbin, VIC, 3189 Australia


Money Pty Ltd trading as Money
ABN: 42 626 094 773
ACL: 528698
AFCA: 83955

© Copyright 2021 Money Ltd.


Money Pty Ltd (trading as provides information about credit products and is authorised to do so as the holder of Australian Credit Licence 528698. does not compare every Lender in Australia. We are not a broker or credit provider and when we provide information via this website, we are not providing you with a recommendation or suggestion about a particular credit product. When you apply for a credit product via the website, you are not applying with us, you are applying directly with a Lender Partner. Before entering into any credit product from one of our Lender Partners, you should confirm the rates and product information with the Lender. All information on this website is general advice only and does not take into account your objectives, financial situation or needs. You should consider whether this advice is right for you and we encourage you to seek independent financial advice.