Motorbike finance calculator

Use our free motorcycle finance calculator to get an estimate of what your finance with Moneybarn could look like.
To get started, 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 CBT certificate
  • 2 consecutive months of payslips

How much motorbike finance could cost

Use the buttons and slider to see how much motorbike finance could cost. The payment term shows how many months your agreement will last for.

  • 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 calculator

Use our free motorcycle finance calculator to get an estimate of what your finance with Moneybarn could look like. To get started, 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 CBT certificate
  • 2 consecutive months of payslips

How much motorbike finance could cost

Use the buttons and slider to see how much motorbike finance could cost. The payment term shows how many months your agreement will last for.

  • 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 use our motorbike finance calculator

Before you use our motorcycle finance calculator, it’s important to know that it shows you what Conditional Sale (CS) finance with Moneybarn could look like. It won’t help with costs for other types of motorbike finance, such as Personal Contract Purchase (PCP) or Hire Purchase (HP).

If you’re unsure about which type of motorcycle finance to choose, our finance calculator will show you what our CS finance might look like so that you can decide if it’s right for you.

How to use our motorbike finance calculator

Before you use our motorcycle finance calculator, it’s important to know that it shows you what Conditional Sale (CS) finance with Moneybarn could look like. It won’t help with costs for other types of motorbike finance, such as Personal Contract Purchase (PCP) or Hire Purchase (HP).

If you’re unsure about which type of motorcycle finance to choose, our finance calculator will show you what our CS finance might look like so that you can decide if it’s right for you.

One

Press one box at a time. Use the slider for quick changes and the + and – buttons for fine tuning in our motorbike finance calculator.

Two

Enter the amount you wish to borrow into the ‘Motorbike price’ box. This can either be the cost of a bike you have already found or an estimate.

Three

Choose the duration of your agreement by selecting the ‘Payment term’, which is the number of months your motorbike finance will last for.

Four

Adjust the ‘Credit score’ box to reflect your current credit score. If you are unsure about your credit score, please refer to our guide on checking your credit score.

Five

You’ll then see an estimate of your monthly payments and the calculated APR. If you’re interested, you can get a personalised quote.

Number 6

Explore how changing the finance amount and payment term affects your monthly payments with our motorcycle finance calculator.

One

Press one box at a time. Use the slider for quick changes and the + and – buttons for fine tuning in our motorbike finance calculator.

Two

Enter the amount you wish to borrow into the ‘Motorbike price’ box. This can either be the cost of a bike you have already found or an estimate.

Three

Choose the duration of your agreement by selecting the ‘Payment term’, which is the number of months your motorbike finance will last for.

Four

Adjust the ‘Credit score’ box to reflect your current credit score. If you are unsure about your credit score, please refer to our guide on checking your credit score.

Five

You’ll then see an estimate of your monthly payments and the calculated APR. If you’re interested, you can get a personalised quote.

Number 6

Explore how changing the finance amount and payment term affects your monthly payments with our motorcycle finance calculator.

Who is eligible for motorbike finance?

We have over 30 years of experience helping people up and down the UK onto a better road ahead. We could help you get motorbike finance, even if you have less-than-perfect credit, or are self-employed and looking for motorbike finance.

If you haven’t decided on a bike yet, don’t worry! Our friendly experts can help you with your search.

Who is eligible for motorbike finance?

We have over 30 years of experience helping people up and down the UK onto a better road ahead. We could help you get motorbike finance, even if you have less-than-perfect credit, or are self-employed and looking for motorbike finance.

If you haven’t decided on a bike yet, don’t worry! Our friendly experts can help you with your search.

To get motorbike finance with us, 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 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 older than 12 years at the start of the agreement

To get motorbike finance with us, 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 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 older than 12 years at the start of the agreement

How does financing a motorbike work?

How does financing a motorbike work?

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

Without Moneybarn I wouldn’t have been able to get this bike. I honestly love it and feel proud to be riding it every day. I really enjoy riding my bike, and I’ve even seen my credit score go up! – David.

David and his bike

Join thousands of monthly customers like David

David and his bike

Without Moneybarn I wouldn’t have been able to get this bike. I honestly love it and feel proud to be riding it every day. I really enjoy riding my bike, and I’ve even seen my credit score go up! – David.

How do the monthly motorbike finance payments work?

How do the monthly motorbike finance payments work?

We offer a type of motorbike finance called Conditional Sale (CS).

The main difference between CS and other motorbike finance types, like PCP and HP, is that with CS, you will legally own the motorbike once you make your final payment.

With HP, you have to pay an additional ‘option to purchase’ fee, and PCP agreements require a ‘balloon payment’ before you legally own the bike.

CS is designed to help people who know they’ll want legal ownership at the end of the agreement. Once your final payment is made, legal ownership will be transferred to you.

However, the monthly payments on CS are often higher than with PCP. With PCP, you’re deferring a large part of the finance until the end of the agreement term. This means you can then decide if you want to hand back the bike to the lender, trade it in to start another finance agreement, or pay the balloon payment and become the legal owner.

Like other finance types, a Conditional Sale agreement is secured against the motorcycle. This means that it could be repossessed if you can’t make your monthly payments.

How our motorbike finance works

Conditional Sale motorbike finance diagram

We offer a type of motorbike finance called Conditional Sale (CS).

The main difference between CS and other motorbike finance types, like PCP and HP, is that with CS, you will legally own the motorbike once you make your final payment.

How our motorbike finance works

Conditional Sale motorbike finance diagram

With HP, you have to pay an additional ‘option to purchase’ fee, and PCP agreements require a ‘balloon payment’ before you legally own the bike.

CS is designed to help people who know they’ll want legal ownership at the end of the agreement. Once your final payment is made, legal ownership will be transferred to you.

However, the monthly payments on CS are often higher than with PCP. With PCP, you’re deferring a large part of the finance until the end of the agreement term. This means you can then decide if you want to hand back the bike to the lender, trade it in to start another finance agreement, or pay the balloon payment and become the legal owner.

Like other finance types, a Conditional Sale agreement is secured against the motorcycle. This means that it could be repossessed if you can’t make your monthly payments.

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 for bad credit, 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 for bad credit, we accept people let down by mainstream lenders, with over 30 years of experience helping people onto a better road ahead.

Helpful motorbike finance guides

Helpful motorbike finance guides

Our application process

Find out more about our application process and the journey of financing a new motorbike.

Motorbike finance explained

With so many different types of finance available, we’ve written a guide to each and their pros and cons.

What do you need to apply?

It’s important to know what information and documents are required to avoid delays when getting finance.

Our application process

Find out more about our application process and the journey of financing a new motorbike.

Motorbike finance explained

With so many different types of finance available, we’ve written a guide to each and their pros and cons.

What do you need to apply?

It’s important to know what information and documents are required to avoid delays when getting finance.

Motorbike finance calculator FAQs

APR stands for ‘annual percentage rate’. It is the total cost you pay to borrow money for a given year.

Our motorbike financing calculator is for illustrative purposes. Your personal APR will depend on several factors, such as your credit file and whether you’ve missed any payments in the past.

When you get a quote, if you’re approved we’ll show you a personal APR and how much you could borrow.

Read our handy guide if you want to learn more about what APR means.

A deposit is the amount of money you pay up front when you start a motorbike finance agreement. Whether you could get no deposit finance on a motorbike depends on your circumstances. Some of our agreements may require a £400 deposit based on individual factors like your credit history.

When you get a quote, we’ll ask for the following information:

  • Personal information: this includes your name, date of birth, and marital status
  • Employment: your employment status, employer, and job title. We will never contact your employer
  • Income: your net monthly income (what you make each month after tax) helps us understand your affordability
  • Address history: your current address and 3 years of UK address history
  • Contact details: your mobile number and email address so we can get in touch with you if you’re approved.

If you’re approved in principle, it’s because we need a few more details to support your application. If that’s the case, a member of our team will guide you through that process.

Getting a quote with us only takes 5 minutes. We’ll just need to know a little bit about you, your address and your job. This will not affect your credit score, as we use a soft credit search to give you an initial decision.

We only use a hard search when contracts are drawn up for you to sign.

When you get a quote, it takes less than 5 minutes to get an immediate decision. This will give you one of three outcomes:

  1. You’re approved which means you’ll be shown what your agreement could look like. A member of our team will help you find a motorbike that’s suitable for you and fits our lending criteria
  2. You’re approved in principle which means we need some more information to confirm your application. Our expert team will guide you through the process
  3. You’re declined, in which case you might be wondering why. Check out our guide that explains the most common reasons for being refused finance.

We can finance motorbikes which fit within our lending criteria:

  • Priced between £3,600 and £15,000
  • Minimum engine size of 125cc
  • Up to 30,000 miles on the clock
  • No older than 12 years at the start of the agreement

We don’t finance motorbikes that aren’t road legal. This means we don’t finance mopeds (motorbikes under 50cc), dirt bikes, or motocross bikes.

If you’re not sure whether your chosen bike meets our criteria, then a member of our team would be happy to help. Get a quote and see if we could help you onto a better road ahead.

When you get a quote, we only use a soft search which does not impact your credit rating. We only use a hard search if you choose to get finance with us, once contracts are drawn up for you to sign.

You may see an impact on your credit score once you have begun a motorbike finance agreement. This is because motorbike finance is a line of credit, which means you are borrowing money from a lender with the promise to pay it back with interest. This will be added to your credit file, which is why you may see your score change slightly at the start of a new agreement.

If you make repayments in full and on time, you may see your credit score begin to grow over time. However, this isn’t guaranteed, and you will also need to be paying your other debts on time.

Yes, we could help you finance a new bike if you’re self-employed. For more information, read our guide to getting motorbike finance when self-employed.

Motorbike finance calculator FAQs

APR stands for ‘annual percentage rate’. It is the total cost you pay to borrow money for a given year.

Our motorbike financing calculator is for illustrative purposes. Your personal APR will depend on several factors, such as your credit file and whether you’ve missed any payments in the past.

When you get a quote, if you’re approved we’ll show you a personal APR and how much you could borrow.

Read our handy guide if you want to learn more about what APR means.

A deposit is the amount of money you pay up front when you start a motorbike finance agreement. Whether you could get no deposit finance on a motorbike depends on your circumstances. Some of our agreements may require a £400 deposit based on individual factors like your credit history.

When you get a quote, we’ll ask for the following information:

  • Personal information: this includes your name, date of birth, and marital status
  • Employment: your employment status, employer, and job title. We will never contact your employer
  • Income: your net monthly income (what you make each month after tax) helps us understand your affordability
  • Address history: your current address and 3 years of UK address history
  • Contact details: your mobile number and email address so we can get in touch with you if you’re approved.

If you’re approved in principle, it’s because we need a few more details to support your application. If that’s the case, a member of our team will guide you through that process.

Getting a quote with us only takes 5 minutes. We’ll just need to know a little bit about you, your address and your job. This will not affect your credit score, as we use a soft credit search to give you an initial decision.

We only use a hard search when contracts are drawn up for you to sign.

When you get a quote, it takes less than 5 minutes to get an immediate decision. This will give you one of three outcomes:

  1. You’re approved which means you’ll be shown what your agreement could look like. A member of our team will help you find a motorbike that’s suitable for you and fits our lending criteria
  2. You’re approved in principle which means we need some more information to confirm your application. Our expert team will guide you through the process
  3. You’re declined, in which case you might be wondering why. Check out our guide that explains the most common reasons for being refused finance.

We can finance motorbikes which fit within our lending criteria:

  • Priced between £3,600 and £15,000
  • Minimum engine size of 125cc
  • Up to 30,000 miles on the clock
  • No older than 12 years at the start of the agreement

We don’t finance motorbikes that aren’t road legal. This means we don’t finance mopeds (motorbikes under 50cc), dirt bikes, or motocross bikes.

If you’re not sure whether your chosen bike meets our criteria, then a member of our team would be happy to help. Get a quote and see if we could help you onto a better road ahead.

When you get a quote, we only use a soft search which does not impact your credit rating. We only use a hard search if you choose to get finance with us, once contracts are drawn up for you to sign.

You may see an impact on your credit score once you have begun a motorbike finance agreement. This is because motorbike finance is a line of credit, which means you are borrowing money from a lender with the promise to pay it back with interest. This will be added to your credit file, which is why you may see your score change slightly at the start of a new agreement.

If you make repayments in full and on time, you may see your credit score begin to grow over time. However, this isn’t guaranteed, and you will also need to be paying your other debts on time.

Yes, we could help you finance a new bike if you’re self-employed. For more information, read our guide to getting motorbike finance when self-employed.

Bad credit? No problem

We have over 30 years of experience helping people up and down the UK, even if they’ve been refused by other lenders. Find out more by clicking the button below.

Being self-employed

If you’re self-employed, you might struggle to find a lender that accepts you. That’s where we could help. Find out more today by clicking the button below.

Our application process

It’s important to completely understand the motorbike finance agreement that you could be entering. Find out more about how our application process works.