Pawn My Motorbike & Still Ride It?

In NSW you can pawn a motorbike for a short term cash loan, however, your motorbike will have to be stored by the pawn shop until you have redeemed the loan.

  1300 855 223

–Shop 6c, 3 Victoria Rd, Parramatta–

People often ask, can I pawn my motorbike and still ride it?  Unfortunately not! In New South Wales a person borrowing money from a licensed Pawnbroker, must leave the asset being borrowed against -the asset being pawned- with the pawnbroker. Essentially, the loan is secured against the motorcycle until the debt and due interest is repaid in full.

This is why a pawnbroker isn’t concerned with your credit rating or credit score. The pawned motorbike acts as collateral, securing the loan and covering the pawnbroker’s risk.

Some pawnbrokers may suggest that you can pawn your motorbike and still ride it, but a closer look often reveals they only offer a ‘discounted’ bike or car-hire rate through a rental agency—which may not be particularly useful to you.

Still, pawning your motorbike is a quick, straightforward way to access its equity, whether to resolve a short-term cash flow need or seize a business opportunity while arranging traditional finance at a more favourable interest rate.

For small businesses, especially tradespeople facing cash-flow delays as customers take longer to settle their bills, pawning your bike or car offers a valuable alternative to factoring finance—borrowing against outstanding invoices. Our motorcycle pawning services provide an instant solution to bridge cash flow gaps while you await customer payments. Learn more >

Need cash today? Pawning your motorbike with E-Pawn is a fast, hassle-free way to put cash in your hands without the fuss of traditional finance. No credit checks, no waiting periods—just quick, straightforward service. Bring in your bike, and walk out with the funds you need the same day. When time and convenience matter, trust E-Pawn to make it easy!

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Once we assess and verify the motorbike’s ownership – its registration and history – and your identification – we will let you know how much we will lend against the motorbike • the interest rate we will charge you • and the final terms of the loan.

Interest rates are calculated monthly and set for the duration of the loan at the time of contract initiation. The rate we charge is based on several factors, such as the loan amount and the value of the pawned item—what we refer to as the ‘loan risk ratio.’ Generally, the higher the risk to the pawnbroker, the higher the interest rate. See more in the FAQ’s section below.

Need Quick Cash? Consider Pawning, Not Selling!

Ready to unlock cash without giving up your motorbike? Contact us today to see just how much you can borrow against your bike. We specialise in providing high-value, affordable loans quickly and easily—perfect for clients who need cash, fast!

And it’s not just bikes! We also pawn a wide range of high-value assets, including cars (classic, vintage, and antique), trucks, and boats, offering instant access to cash without the hassle of a sale.

One of the best things about pawning is that there’s no pressure to sell your prized possession for less than it’s worth. Instead, you get the funds you need while keeping ownership of your asset. When the loan’s repaid, your pride and joy comes back to you—just the way you left it.

• Got a Harley Davidson? Don’t trust your Harley to anyone else, we know what your bike means to you. Learn more about how to pawn your motorbike >>

To learn more about our pawn loans please visit our FAQs page by clicking on the button below:

Frequent Questions