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

Representative 35.5% APR

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

What is motorbike finance?

Motorbike finance is a way of borrowing money to buy a new motorcycle. It allows you to buy a new bike without having to pay for it all at once. Instead, you can make monthly payments until the finance has been paid off.

With our Conditional Sale agreement, once you have made your final payment, you will legally own the motorbike.

How to get a motorbike on finance

We know that owning a motorcycle is an important part of your life. Whether you use it for commuting, traveling, or leisure, we can help you if you want to finance your new bike.

What is motorbike finance?

Motorbike finance is a way of borrowing money to buy a new motorcycle. It allows you to buy a new bike without having to pay for it all at once. Instead, you can make monthly payments until the finance has been paid off.

With our Conditional Sale agreement, once you have made your final payment, you will legally own the motorbike.

How to get a motorbike on finance

We know that owning a motorcycle is an important part of your life. Whether you use it for commuting, traveling, or leisure, we can help you if you want to finance your new bike.

To get motorbike finance, you’ll need:

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

We can finance motorbikes that meet our lending criteria:

  • Priced between £3,600 and £15,000
  • Minimum engine size of 125cc
  • Up to 30,000 miles on the clock
  • No more than 12 years old at the start of the agreement
  • Must be road-legal and not an import
Honda CB500X driving

We know that owning a motorcycle is an important part of your life. Whether you use it for commuting, traveling, or leisure, we can help you if you want to finance your new bike.

To get motorbike finance, you’ll need:

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

We can finance motorbikes that meet our lending criteria:

  • Priced between £3,600 and £15,000
  • Minimum engine size of 125cc
  • Up to 30,000 miles on the clock
  • No more than 12 years old at the start of the agreement
  • Must be road-legal and not an import

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

Representative 35.5% APR

How to apply for motorbike finance

How to apply for motorbike finance

One

Get an online quote in under 5 minutes. We use a soft check at the point of application, which won’t impact your credit score and provides an instant decision.

Two

If you’re approved, our team of experts will help you find your dream motorbike. They’ll help you find motorbikes from reputable dealerships and discuss your options.

Three

We’ll help you with providing any paperwork and signing your agreement. Once your agreement is finalised, we’ll pay the dealership and you can collect your new bike!

One

Get an online quote in under 5 minutes. We use a soft check at the point of application, which won’t impact your credit score and provides an instant decision.

Two

If you’re approved, our team of experts will help you find your dream motorbike. They’ll help you find motorbikes from reputable dealerships and discuss your options.

Three

We’ll help you with providing any paperwork and signing your agreement. Once your agreement is finalised, we’ll pay the dealership and you can collect your new bike!

Join thousands of monthly customers like David

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

Join thousands of monthly customers like David

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?

If you have ever financed a car before, you’ll be happy to know that financing a motorbike works in a very similar way.

We offer a Conditional Sale agreement, which means that you can use the bike fully during the finance agreement. The motorbike will be registered under your name, and you’ll be responsible for its maintenance and servicing.

Once you make your final payment, you will legally own the motorbike.

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

We’re proud to have over 30 years of experience helping people onto a better road ahead. We help thousands of customers up and down the UK each month, even if other lenders have refused them.

Conditional Sale motorbike finance diagram

Conditional Sale at a glance

How does financing a motorcycle work?

If you have ever financed a car before, you’ll be happy to know that financing a motorbike works in a very similar way.

We offer a Conditional Sale agreement, which means that you can use the bike fully during the finance agreement. The motorbike will be registered under your name, and you’ll be responsible for its maintenance and servicing.

Once you make your final payment, you will legally own the motorbike.

Conditional Sale motorbike finance diagram

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

We’re proud to have over 30 years of experience helping people onto a better road ahead. We help thousands of customers up and down the UK each month, even if other lenders have refused them.

Your interest rate will be fixed so your payments are the same each month.

Finance is subject to status and affordability checks.

There are no mileage restrictions like other types of finance such as PCP.

You won’t own the motorbike until the final payment is made.

You’ll own the motorbike at the end of the agreement.

You will need the correct type of motorbike licence to be eligible.

There are no late payment charges or hidden fees during your agreement.

The motorbike may be repossessed if you can’t make payments.

Conditional Sale at a glance

Your interest rate will be fixed so your payments are the same each month.

There are no mileage restrictions like other finance types such as PCP.

You’ll own the motorbike at the end of the agreement.

There are no late payment charges or hidden fees during your agreement.

Finance is subject to status and affordability checks.

You won’t own the motorbike until the final payment is made.

You will need the correct type of motorbike licence to be eligible.

The motorbike may be repossessed if you can’t make payments.

How much does motorcycle finance cost?

The cost of motorcycle finance can vary for each person, depending on their specific circumstances and eligibility criteria. It’s not possible to compare costs as a like-for-like, because everyone is different and so is their motorbike finance agreement.

To get an idea of what motorbike finance might cost you, try our motorbike finance calculator. Simply enter the amount you wish to borrow and the repayment period, and it will give you with an idea of the monthly payments needed.

If you’re ready, you can get a personalised quote in less than 5 minutes. We only use a soft search at the point of application, which doesn’t affect your credit score and gives you an immediate decision.

How much does motorcycle finance cost?

The cost of motorcycle finance can vary for each person, depending on their specific circumstances and eligibility criteria. It’s not possible to compare costs as a like-for-like, because everyone is different and so is their motorbike finance agreement.

To get an idea of what motorbike finance might cost you, try our motorbike finance calculator. Simply enter the amount you wish to borrow and the repayment period, and it will give you with an idea of the monthly payments needed.

If you’re ready, you can get a personalised quote in less than 5 minutes. We only use a soft search at the point of application, which doesn’t affect your credit score and gives you an immediate decision.

Why choose Moneybarn?

Great customer service

We support thousands of people up and down the country each month, even if they’ve been refused elsewhere. Our customers rate us as Excellent on Trustpilot.

Award-winning finance

We continue to win industry awards for our approach to responsible lending, including ‘Vehicle Finance Provider of the Year’ and ‘Sub-Prime Lender of the Year’ for 2023.

Leading specialist lender

As one of the UK's leading lenders of specialist finance, we accept people let down by mainstream lenders, with over 30 years of experience helping people onto a better road ahead.

Why choose Moneybarn?

Great customer service

We support thousands of people up and down the country each month, even if they’ve been refused elsewhere. Our customers rate us as Excellent on Trustpilot.

Award-winning finance

We continue to win industry awards for our approach to responsible lending, including ‘Vehicle Finance Provider of the Year’ and ‘Sub-Prime Lender of the Year’ for 2023.

Leading specialist lender

As one of the UK’s leading lenders of specialist finance, we accept people let down by mainstream lenders, with over 30 years of experience helping people onto a better road ahead.

Useful motorbike guides

Useful motorbike guides

Buying a motorbike

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

Motorcycle finance explained

There are lots of different types of motorbike finance available. Read out guide to learn more about them.

Buying a motorbike

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

Motorcycle finance explained

There are lots of different types of motorbike finance available. Read out guide to learn more about them.

FAQs about motorbike finance and loans

We can help you finance a range of motorbikes, as long as they meet our lending criteria.

If you already know which bike you want to finance, once you’ve made sure it meets our criteria, get a quote and see if we can help you.

If you aren’t sure yet, don’t worry! Our friendly experts can help you search for the right bike for your needs. Or, take a look at our guide on how to choose the right type of motorbike.

Everyone’s eligibility for motorbike finance varies based on multiple factors, such as credit history and affordability. Therefore, it’s not possible to say whether it will be easy or difficult for you to get motorcycle finance.

If you’re ready to get a quote, you can do so in less than 5 minutes with a soft credit check. This does not affect your credit score, but will give you an instant decision as to whether we can help you finance your next bike.

We only use a hard credit check when you’ve found your dream bike, and contracts are drawn up for you to sign.

It may be possible to insure a motorcycle in the UK even if you don’t have a licence, but getting finance without the appropriate licence is usually not possible. The type of motorbike licence required varies depending on the lender, their criteria, and the bike you want to buy.

You can read more about the different types of bike licences on the GOV.UK website.

If you’d like to finance a motorbike with Moneybarn, you’ll need a valid A1, A2 or A UK motorbike licence or a valid CBT certificate. If you have passed your Compulsory Basic Training (CBT) or have the right licence, we could help.

When you’re ready, get a quote in less than 5 minutes and receive an instant decision.

Our motorbike finance options range from 36 to 60 months (3 to 5 years), so you can choose the agreement term that suits you best. Our friendly experts are ready to help you find an agreement that suits your needs.

If you prefer to spread out the cost over a longer time period, you can choose a longer agreement term. This will reduce your monthly payments, but keep in mind that it will also increase the overall cost of the finance. This is because there will be more interest over a longer term, compared to a shorter term.

To get an idea of what your payments might look like, try using our motorbike finance calculator. Once you’re ready, you can get a quote in less than 5 minutes. We’ll give you a personalised APR, show you how much you can borrow, and outline your monthly payments.

It may be possible to make larger payments to repay some of all of your loan, depending on the lender and type of finance you have.

Fully paying off your motorcycle finance early is called an early settlement, which can save you money in the long run by reducing the interest you pay.

However, the lender you use will determine how you can do this and if there are any fees involved. Paying off your agreement or ending it early isn’t as simple as selling your financed motorbike or returning it to the lender. There are different processes and options are available depending on your contract.

Read more in our guide that explains how you can make additional payments on finance.

It is possible to be approved for motorbike finance without making a deposit, but this depends on your credit history and affordability.

While not putting a deposit down can make it more affordable at the beginning, it can end up costing more in the long run. This is because borrowing more money means paying more interest over a longer period of time.

If you aren’t sure whether a no deposit agreement is right for you, our friendly experts are ready to help. You can get a quote in less than 5 minutes and find out what you could borrow.

When it comes to borrowing money to buy your new bike, we want to make the process quick and easy for you. Getting a quote online should take less than 5 minutes. You’ll receive an immediate decision as to whether we can help you. We only use a soft credit check at the point of application, which will not affect your credit score.

If you’re approved, one of our friendly experts will be in touch to guide you through our application process. If you already have a bike in mind, that’s great! Just make sure it meets our lending criteria, and if possible, prepare the necessary documents for applying for finance to avoid any delays.

If you don’t have a particular bike in mind, don’t worry. A member of our team can help you search for your dream bike from our list of approved dealerships. We can then provide you with quotes for that bike. Once you’ve found the bike you want and an appropriate finance agreement, we’ll prepare the contracts for you to sign. Only at this point will a hard credit check be made.

You can also read more about getting motorbike finance when self-employed.

No, it isn’t possible to finance a motorbike for a partner or family member. This is known as ‘fronting’ which is illegal. You can read more about why you can’t apply for finance for someone else in our guide.

Each application for motorbike finance is unique, as everyone’s circumstances are different. If you were to apply for someone else, your application would be misleading, as the lender would not be able to verify whether the finance is affordable for that person.

If you’re looking to apply with someone else, have you considered a joint finance application? This is where you apply with someone who lives with you.

FAQs about motorbike finance and loans

We can help you finance a range of motorbikes, as long as they meet our lending criteria.

If you already know which bike you want to finance, once you’ve made sure it meets our criteria, get a quote and see if we can help you.

If you aren’t sure yet, don’t worry! Our friendly experts can help you search for the right bike for your needs. Or, take a look at our guide on how to choose the right type of motorbike.

Everyone’s eligibility for motorbike finance varies based on multiple factors, such as credit history and affordability. Therefore, it’s not possible to say whether it will be easy or difficult for you to get motorcycle finance.

If you’re ready to get a quote, you can do so in less than 5 minutes with a soft credit check. This does not affect your credit score, but will give you an instant decision as to whether we can help you finance your next bike.

We only use a hard credit check when you’ve found your dream bike, and contracts are drawn up for you to sign.

It may be possible to insure a motorcycle in the UK even if you don’t have a licence, but getting finance without the appropriate licence is usually not possible. The type of motorbike licence required varies depending on the lender, their criteria, and the bike you want to buy.

You can read more about the different types of bike licences on the GOV.UK website.

If you’d like to finance a motorbike with Moneybarn, you’ll need a valid A1, A2 or A UK motorbike licence or a valid CBT certificate. If you have passed your Compulsory Basic Training (CBT) or have the right licence, we could help.

When you’re ready, get a quote in less than 5 minutes and receive an instant decision.

Our motorbike finance options range from 36 to 60 months (3 to 5 years), so you can choose the agreement term that suits you best. Our friendly experts are ready to help you find an agreement that suits your needs.

If you prefer to spread out the cost over a longer time period, you can choose a longer agreement term. This will reduce your monthly payments, but keep in mind that it will also increase the overall cost of the finance. This is because there will be more interest over a longer term, compared to a shorter term.

To get an idea of what your payments might look like, try using our motorbike finance calculator. Once you’re ready, you can get a quote in less than 5 minutes. We’ll give you a personalised APR, show you how much you can borrow, and outline your monthly payments.

It may be possible to make larger payments to repay some of all of your loan, depending on the lender and type of finance you have.

Fully paying off your motorcycle finance early is called an early settlement, which can save you money in the long run by reducing the interest you pay.

However, the lender you use will determine how you can do this and if there are any fees involved. Paying off your agreement or ending it early isn’t as simple as selling your financed motorbike or returning it to the lender. There are different processes and options are available depending on your contract.

Read more in our guide that explains how you can make additional payments on finance.

It is possible to be approved for motorbike finance without making a deposit, but this depends on your credit history and affordability.

While not putting a deposit down can make it more affordable at the beginning, it can end up costing more in the long run. This is because borrowing more money means paying more interest over a longer period of time.

If you aren’t sure whether a no deposit agreement is right for you, our friendly experts are ready to help. You can get a quote in less than 5 minutes and find out what you could borrow.

When it comes to borrowing money to buy your new bike, we want to make the process quick and easy for you. Getting a quote online should take less than 5 minutes. You’ll receive an immediate decision as to whether we can help you. We only use a soft credit check at the point of application, which will not affect your credit score.

If you’re approved, one of our friendly experts will be in touch to guide you through our application process. If you already have a bike in mind, that’s great! Just make sure it meets our lending criteria, and if possible, prepare the necessary documents for applying for finance to avoid any delays.

If you don’t have a particular bike in mind, don’t worry. A member of our team can help you search for your dream bike from our list of approved dealerships. We can then provide you with quotes for that bike. Once you’ve found the bike you want and an appropriate finance agreement, we’ll prepare the contracts for you to sign. Only at this point will a hard credit check be made.

You can also read more about getting motorbike finance when self-employed.

No, it isn’t possible to finance a motorbike for a partner or family member. This is known as ‘fronting’ which is illegal. You can read more about why you can’t apply for finance for someone else in our guide.

Each application for motorbike finance is unique, as everyone’s circumstances are different. If you were to apply for someone else, your application would be misleading, as the lender would not be able to verify whether the finance is affordable for that person.

If you’re looking to apply with someone else, have you considered a joint finance application? This is where you apply with someone who lives with you.

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.

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.

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.