Motorbike Finance

  • No Deposit
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  • PCP and HP from 8.9% APR
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Motorbike Finance |
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A motorbike is a symbol of freedom and adventure

But that sense of adventure shouldn’t stop you from being responsible when looking at motorbike finance options. At CarMoney, we’re here to help you with everything you need to know when choosing a motorbike loan.

Whether you’re a seasoned biker looking to upgrade to a new model or a beginner eager to hit the open road for the first time, financing your dream bike can be a crucial step in making your dreams a reality.

There are many things to consider when looking at motorbike finance, which may decide whether a finance deal is right for you or not.
Nikki the Ninja is here to explore the motorbike finance options available, helping you navigate the world of vehicle loans.

Representative Example: Borrow £6,000 with £1,000 deposit over 48 months with a representative APR of 18.1%, monthly payment would be £172.36, with a total cost of credit of £2,273.28 and a total amount payable of £9,273.28. CarMoney Limited can introduce you to a limited number of finance providers based on your credit rating and we will receive a commission for such introductions this can either be a % of the amount borrowed or a flat fee. This does not influence the interest rate you’re offered in any way. CarMoney is a broker not a lender



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PCP and HP from 8.9% APR

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We compare from over 20 lenders

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Keep your credit score unaffected

Motorbike Car Finance |

When you are considering any type of finance deal, you should look at what you can afford to repay comfortably

Make a list of your income and expenses to see how much you can commit to motorbike loan repayments.

CarMoney will then use your information to find the lenders that are most likely to approve your finance application. To choose between lenders, it makes sense to consider:

Interest Rates: Your interest rate will depend on factors like your credit score, loan term, and the lender. Better credit scores generally qualify for lower interest rates.

Deposit: While some lenders offer no deposit options, putting money down upfront can reduce your loan amount and monthly payments.

Loan Term: Loan terms typically range from 24 to 72 months. Longer terms may result in lower monthly payments but higher overall interest costs.

Once you have made a decision and applied for motorbike finance, you can expect a decision within minutes.

They will consider:

Credit Score: Your credit score shows how much risk the lender takes on. A higher credit score means you are more likely to have your application approved.

Employment Stability: If you have been in long-term employment you are more likely to be approved, as you can display stable income.

Deposit: Many lenders offer deposit-free motorbike finance. However, a higher deposit can improve the chances of loan approval, as it reduces the overall loan amount.

Debt-to-Income Ratio: The percentage of your income that goes towards paying off existing debts can affect eligibility. A lower ratio indicates better financial stability.

Loan Amount and Term: The amount of the loan requested and the proposed term are crucial factors. Longer terms may result in higher interest rates.

Guarantor: Having a guarantor with a strong credit history can improve the chances of loan approval, especially for applicants with lower credit scores. The guarantor agrees to make the loan payments if you are unable to.

Insurance: Some lenders may require you to have comprehensive insurance coverage for the vehicle. This provides additional security for the loan.

Motorbike Car Finance |

There are two main types of motorbike finance available. The right one for you will depend on your own circumstances and preferences.

These are:

Hire Purchase (HP): This involves hiring a motorbike from a finance company for an agreed time period. After you have made the final payment, you own the bike outright.

Personal Contract Purchase (PCP): With PCP, you pay only the depreciation in the value of the bike, rather than the full value. So the monthly payments will be lower. However, if you would like to own the vehicle at the end of the agreement, you’ll have to pay a lump sum.

The lender can repossess the car if you miss payments.

Whatever motorbike finance model you choose, CarMoney is here to help guide you through the vehicle finance world.

Get a quote or contact CarMoney today.

Frequently Asked Questions

How does motorbike finance work?

Motorbike finance operates similarly to car finance. Through monthly payments, you can either own the bike or return it. It is advisable to compare different deals and review the agreement.

Can I get a motorbike on finance with bad credit?

While it may be more challenging and require additional considerations, getting a motorbike on finance with bad credit is possible.

How it works
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Two-Wheel Freedom, Simplified

Our hassle-free motorbike finance makes ownership easy, so you can enjoy the thrill of riding without worrying about the cost.

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Quick and Easy Application Process

We simplify getting a car loan with a streamlined application process that removes the hassle and paperwork of buying a car.

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You drive away happy

We’ll sort all the details and you just decide when to collect your new car… or we can deliver it to you!

Join thousands of happy customers

Our customers love our CarMoney Ninjas

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CarMoney Ninja Sean

“Great service, Sean Davidson was great and was always trying to help and give me the easiest experience possible. Thank you very much Sean.”

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CarMoney Ninja Alan

“Alan, who I spoke with on the phone, was amazing! He sorted everything out for me, it was so easy and was able to get my car the very next day. Fantastic!”

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“Sophie who sorted my finance out for car was amazingly nothing was too much trouble for her always kept me up to date. Five stars Sophie. Thanks for everything”

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“My ninja from start to finish Ellie McGavin I Needed a car it was complete from picking to collecting within 2 days friendly staff great communication brilliant.”

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CarMoney Ninja James

“Excellent professional and courteous service nothing too much trouble James was thoroughly committed to helping me source my car”.

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“Frazer from car money made the experience of getting a car simple and easy. Would definitely recommend to family and friends. Thanks again CarMoney!”

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We Compare the best deals from over 20 lenders

CarMoney LIMITED is authorised and regulated by the Financial Conduct Authority (FCA) for consumer credit activity and our registration number is 674094. Representative 18.1% APR. Over 18’s only. CarMoney IS A BROKER NOT A LENDER.

REGISTERED ADDRESS: Pioneer House, 2 Renshaw PL, Motherwell, ML1 4UF, Scotland.Company Number: SC467274.

All finance is subject to status and income. Written Quotation on request. CarMoney Limited can introduce you to a limited number of finance providers based on your credit rating and we will receive a commission for such introductions.