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Motorbike finance

We can walk you through the entire motorcycle finance process. To get started you will need:
  • Monthly earnings over £1,000 (after tax)
  • To be aged between 20 and 75
  • Valid A1, A2 or A UK motorbike licence or a valid CBT certificate
  • 2 consecutive months of payslips

How our finance works

  • Monthly payment: £000.00
  • Total to repay: £00,000.00
  • Calculated APR: 00.0%

*a £400 deposit may be required depending on your credit score

Get a quote

Representative 35.5% APR

Motorbike finance

We can walk you through the entire motorcycle finance process. Find out more about motorbike finance with Moneybarn today.

Get a quote

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Excellent

4.5 out of five star rating on Trustpilot

Based on 12,375 reviews

5 out of five star rating on Trustpilot

Verified

From start until my car was ...

From start until my car was ready Moneybarn acted very quickly. Moneyb...

Peter Brown Manor Grange Care Home, Edinburgh, 8 hours ago

5 out of five star rating on Trustpilot

Verified

Excellent communication thro...

Excellent communication throughout the entire process

Raymond Fenton, 9 hours ago

5 out of five star rating on Trustpilot

Verified

Very efficient and professio...

Very efficient and professional

Jane belfield, 11 hours ago

5 out of five star rating on Trustpilot

Verified

Very good they helped me loa...

Very good they helped me loads very good customer service

Harry, 12 hours ago

Showing our 4 & 5 star reviews

What is motorbike finance?

Motorbike finance is when you borrow money to cover the cost of your new motorcycle. It allows you to get a bike without having to pay a lump sum up front. Instead you make monthly repayments until the cost of the finance has been paid off.

Buying a motorbike on finance helps you get the new or used motorbike you need without having to pay for it all in one go. Once you make your final repayment, you’ll legally own the motorcycle.

What is motorbike finance?

Motorbike finance is when you borrow money to cover the cost of your new motorcycle. It allows you to get a bike without having to pay a lump sum up front. Instead you make monthly repayments until the cost of the finance has been paid off.

Buying a motorbike on finance helps you get the new or used motorbike you need without having to pay for it all in one go. Once you make your final repayment, you’ll legally own the motorcycle.

How to get a motorbike on finance

How to get a motorbike on finance

To be eligible for motorbike finance, you’ll need:

  • Monthly earnings over £1,000 (after tax)
  • A deposit of £0 or £400 (subject to affordability)
  • To be aged between 20 and 75
  • Valid A1, A2, or A UK motorbike licence or a valid CBT certificate
  • 2 consecutive months of payslips

We can provide motorcycle finance as long as the bike meets our lending criteria:

  • Priced between £2,500-£15,000
  • Minimum engine size of 125cc
  • Have a total mileage of up to 30,000 at the start of the agreement
  • No older than 12 years at the start of the agreement

Please note: we don’t finance bikes that are not road legal, such as motocross bikes, and we don’t finance imports.

Honda CB500X driving

To be eligible for motorbike finance, you’ll need:

  • Monthly earnings over £1,000 (after tax)
  • A deposit of £0 or £400 (subject to affordability)
  • To be aged between 20 and 75
  • Valid A1, A2, or A UK motorbike licence or a valid CBT certificate
  • 2 consecutive months of payslips
Honda CB500X driving

We can provide motorcycle finance as long as the bike meets our lending criteria:

  • Priced between £2,500-£15,000
  • Minimum engine size of 125cc
  • Have a total mileage of up to 30,000 at the start of the agreement
  • No older than 12 years at the start of the agreement

Please note: we don’t finance bikes that are not road legal, such as motocross bikes, and we don’t finance imports.

To get motorbike finance, you’ll need to fill out our online application. We will ask you for some personal details including your name, date of birth, and employment. If your application is successful, you will also need to provide proof of identity (usually a driving licence) and proof of income.

We use a soft credit check when you apply. This doesn’t affect your credit score and tells you whether we could help you with a motorbike on finance. We only use a hard check once we’ve helped you find the right motorbike, and contracts are drawn up.

Get a quote today and see if we can help you.

To get motorbike finance, you’ll need to fill out our online application. We will ask you for some personal details including your name, date of birth, and employment. If your application is successful, you will also need to provide proof of identity (usually a driving licence) and proof of income.

We use a soft credit check when you apply. This doesn’t affect your credit score and tells you whether we could help you with a motorbike on finance. We only use a hard check once we’ve helped you find the right motorbike, and contracts are drawn up.

Get a quote today and see if we can help you.

Get a quote today
Get a quote today

How our finance works

  • Monthly payment: £000.00
  • Total to repay: £00,000.00
  • Calculated APR: 00.0%

*a £400 deposit may be required depending on your credit score

Get a quote

Representative 35.5% APR

As soon as I applied with Moneybarn everything was quick and straightforward. I’m very happy with my vehicle and the service that Moneybarn has given and would 100% recommend them to a friend or family member – David.

David and his bike
David and his bike

As soon as I applied with Moneybarn everything was quick and straightforward. I’m very happy with my vehicle and the service that Moneybarn has given and would 100% recommend them to a friend or family member – David.

How does financing a motorcycle work?

What’s the best way to finance a motorbike? Well, if you’ve ever had a car on finance, then you’ll be glad to know it works in exactly the same way. Motorbike finance is the same as financing a car or van, and we offer a Conditional Sale agreement for each of them.

How does financing a motorcycle work?

What’s the best way to finance a motorbike? Well, if you’ve ever had a car on finance, then you’ll be glad to know it works in exactly the same way. Motorbike finance is the same as financing a car or van, and we offer a Conditional Sale agreement for each of them.

We offer a Conditional Sale agreement which means you will have full use of the bike during the finance agreement. The motorbike will be registered in your name, and you will be responsible for servicing and maintaining it.

Once you make the final repayment, you will legally own the motorbike.

You might have heard about other lenders that offer Hire Purchase (HP) or Personal Contract Purchase (PCP). We’ve written more about the different types of motorbike finance.

Some advantages of our Conditional Sale agreement include:

  • Fixed interest rate which means you know exactly how much you need to repay each month
  • You fully own the motorbike once you make your final repayment, no additional fee is required
  • You may be able to get motorbike finance with a low or no deposit, subject to affordability

We’re proud to have over 30 years of experience helping people onto a better road ahead. We could help you even if you are looking for self-employed motorbike finance.

Conditional Sale motorbike finance diagram

We offer a Conditional Sale agreement which means you will have full use of the bike during the finance agreement. The motorbike will be registered in your name, and you will be responsible for servicing and maintaining it.

Once you make the final repayment, you will legally own the motorbike.

Conditional Sale motorbike finance diagram

You might have heard about other lenders that offer Hire Purchase (HP) or Personal Contract Purchase (PCP). We’ve written more about the different types of motorbike finance.

Some advantages of our Conditional Sale agreement include:

  • Fixed interest rate which means you know exactly how much you need to repay each month
  • You fully own the motorbike once you make your final repayment, no additional fee is required
  • You may be able to get motorbike finance with a low or no deposit, subject to affordability

We’re proud to have over 30 years of experience helping people onto a better road ahead. We could help you even if you are looking for self-employed motorbike finance.

How much does motorcycle finance cost?

The cost of motorcycle finance will be different for everyone. Depending on your circumstances, your eligibility for motorbike finance will be different from others. You can therefore not compare costs as a like-for-like.

If you’d like to get an idea of what your motorbike finance might look like, try our motorbike finance calculator. Put in the amount you’re looking to borrow and for how long, and it will give you an idea of what your monthly repayments might be.

Should I finance a motorbike?

A motorbike offers a great way to travel, commute to work, or drive socially. It might give you a sense of freedom as driving a bike is quite different to driving a car, and there are so many great motorbike destinations that you could explore with your new bike.

With such a wide range of motorcycle brands and types to choose from, it can be tricky to find the right bike for you. We’ve created a guide to the top motorbike brands and their pros and cons, so you can make a more informed decision.

Our motorbike buying guide outlines useful questions you should be asking yourself during the process, such as what types of motorbike you might like. 

If you have a particular motorbike in mind, we might be able to help as long as it fits into our lending criteria. If it does, great! We might be able to help finance that particular bike – you can get a quote when you’re ready.

If not, don’t worry. Our team would be happy to help guide you to the motorbike that you need. Apply today and see if we can help you.

How much does motorcycle finance cost?

The cost of motorcycle finance will be different for everyone. Depending on your circumstances, your eligibility for motorbike finance will be different from others. You can therefore not compare costs as a like-for-like.

If you’d like to get an idea of what your motorbike finance might look like, try our motorbike finance calculator. Put in the amount you’re looking to borrow and for how long, and it will give you an idea of what your monthly repayments might be.

Should I finance a motorbike?

A motorbike offers a great way to travel, commute to work, or drive socially. It might give you a sense of freedom as driving a bike is quite different to driving a car, and there are so many great motorbike destinations that you could explore with your new bike.

With such a wide range of motorcycle brands and types to choose from, it can be tricky to find the right bike for you. We’ve created a guide to the top motorbike brands and their pros and cons, so you can make a more informed decision.

Our motorbike buying guide outlines useful questions you should be asking yourself during the process, such as what types of motorbike you might like. 

If you have a particular motorbike in mind, we might be able to help as long as it fits into our lending criteria. If it does, great! We might be able to help finance that particular bike – you can get a quote when you’re ready.

If not, don’t worry. Our team would be happy to help guide you to the motorbike that you need. Apply today and see if we can help you.

Get a quote today
Get a quote today

Guides for getting a motorbike on finance

Guides for getting a motorbike on finance

Buying a motorbike

Make sure to consider these important factors before buying your new motorbike.

Buying a motorbike
What motorbike should I buy?

With so many different types of motorbikes on the market it’s important to know which one would be right for you.

Motorbike types
Best motorbikes for commuting

You might be interested in getting a motorbike to commute to work. We’ve written a guide to the top bike models for commuting.

Best motorbikes for commuting
Soft search vs hard search

When you apply for finance, a soft or hard search may be done on your credit file. Make sure you know the difference before applying.

Soft search vs hard search
Buying a motorbike

Make sure to consider these important factors before buying your new motorbike.

Buying a motorbike
What motorbike should I buy?

With so many different types of motorbikes on the market it’s important to know which one would be right for you.

Motorbike types
Best motorbikes for commuting

You might be interested in getting a motorbike to commute to work. We’ve written a guide to the top bike models for commuting.

Best motorbikes for commuting
Soft search vs hard search

When you apply for finance, a soft or hard search may be done on your credit file. Make sure you know the difference before applying.

Soft search vs hard search

FAQs about motorbike finance and loans

Everyone’s eligibility for finance is different. It depends on lots of different personal factors, including credit score and affordability. You will not know for definite if you have been approved until you’ve applied for one of the types of finance listed above. Responsible lenders will always check that you can afford the repayments before confirming you have been accepted for the loan.

We use a soft credit check when you make an application. This doesn’t affect your credit score and tells you whether we can help you with motorbike finance. We only use a hard check when contracts are drawn up for you to sign.

No, you will need a valid A1, A2 or A UK motorbike licence or a valid CBT certificate to get motorbike finance. If you have passed your CBT, or already have your licence, then we could help.

No, applying for finance for someone else is known as ‘fronting’ which is illegal. We’ve written more about why you can’t apply for finance for someone else.

Every application for motorbike finance is different, because everyone’s circumstances are different. If you tried to apply for someone else, your application would be misleading because the lender can’t make sure that the finance is affordable.

If you’re looking to apply with someone else, have you considered a joint finance application?

FAQs about motorbike finance and loans

Everyone’s eligibility for finance is different. It depends on lots of different personal factors, including credit score and affordability. You will not know for definite if you have been approved until you’ve applied for one of the types of finance listed above. Responsible lenders will always check that you can afford the repayments before confirming you have been accepted for the loan.

We use a soft credit check when you make an application. This doesn’t affect your credit score and tells you whether we can help you with motorbike finance. We only use a hard check when contracts are drawn up for you to sign.

No, you will need a valid A1, A2 or A UK motorbike licence or a valid CBT certificate to get motorbike finance. If you have passed your CBT, or already have your licence, then we could help.

No, applying for finance for someone else is known as ‘fronting’ which is illegal. We’ve written more about why you can’t apply for finance for someone else.

Every application for motorbike finance is different, because everyone’s circumstances are different. If you tried to apply for someone else, your application would be misleading because the lender can’t make sure that the finance is affordable.

If you’re looking to apply with someone else, have you considered a joint finance application?

125cc motorbike finance

There are lots of 125cc bikes on the market, but the amount of choice can be overwhelming. Find out how we could help you finance a 125cc motorbike today.

125cc motorbike finance

Find your local motorbike club

Looking to join a motorbike club? We have mapped out all the motorbike clubs across the UK. Click the button below to find your local motorbike club.

Find a motorbike club

Our application process

Make sure you fully understand how finance works before you make an application. Our process should be quick and easy, but if you’re not sure, find out more by clicking the button below.

Our application process

For a better road ahead

Moneybarn is a member of the Finance and Leasing Association, the official trade organisation of the motor finance industry. The FLA promotes best practice in the motor finance industry for lending and leasing to consumers and businesses.

Moneybarn is the trading style of Moneybarn No. 1 Limited, a company registered in England and Wales with company number 04496573, and Moneybarn Limited, a company registered in England and Wales with company number 02766324. The registered address for these companies is: Athena House, Bedford Road, Petersfield, Hampshire, GU32 3LJ.

Moneybarn’s VAT registration number is 180 5559 52.

Moneybarn Limited is authorised and regulated by the Financial Conduct Authority (Financial Services reference No. 702781)

Moneybarn No. 1 Limited is authorised and regulated by the Financial Conduct Authority (Financial Services reference No. 702780)

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National Credit Winner
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© Copyright 2023 Moneybarn Limited
© Copyright 2023 Moneybarn Limited
Representative example: Total amount of credit £6,269. Repayable over 55 months, 54 monthly payments of £215.70. Representative 35.5% APR (fixed). Deposit of £515.03. Total charge for credit £5,378.80. Total amount payable £12,162.83. Subject to status and affordability. You could risk losing your vehicle if you do not keep up payments.