Motorbike finance calculator

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 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 calculator

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 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 use our motorbike finance calculator

To use our motorcycle finance calculator, fill in each box and it will show you what your finance could look like. This includes how much your monthly payments might be and the total you’d repay over the course of your agreement.

Top tip: if your first quote isn’t right, try playing around with the amount you want to borrow and the repayment term.

If you’re ready, then get a quote now. It takes less than 5 minutes, and gives you an immediate decision as to whether we could help.

To get started, you’ll need:

How to use our motorbike finance calculator

To use our motorcycle finance calculator, fill in each box and it will show you what your finance could look like. This includes how much your monthly payments might be and the total you’d repay over the course of your agreement.

Top tip: if your first quote isn’t right, try playing around with the amount you want to borrow and the repayment term.

If you’re ready, then get a quote now. It takes less than 5 minutes, and gives you an immediate decision as to whether we could help.

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

We can finance motorbikes that meet our lending criteria:

  • Priced between £3,600 – £15,000
  • Have a minimum engine size of 125cc
  • No more than 30,000 miles on the clock at the start of the agreement
  • No older than 12 years at the start of the agreement
  • 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 – £15,000
  • Have a minimum engine size of 125cc
  • No more than 30,000 miles on the clock at the start of the agreement
  • 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 a quote using our secure online form. It is quick and easy to use, and takes less than 5 minutes to fill out.

Two

We run an initial soft check. This does not impact your credit score, and lets you know instantly whether we can help.

Three

If you’re approved, a member of our team will be in touch to help guide you through the process.

Four

Once your agreement is signed we’ll pay the dealership, and you can collect your new motorbike!

One

Get a quote using our secure online form. It is quick and easy to use, and takes less than 5 minutes to fill out.

Two

We run an initial soft check. This does not impact your credit score, and lets you know instantly whether we can help.

Three

If you’re approved, a member of our team will be in touch to help guide you through the process.

Four

Once your agreement is signed we’ll pay the dealership, and you can collect your new motorbike!

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
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 payments work?

How do the monthly payments work?

We use a Conditional Sale agreement. This means you will have full access to the motorbike, but won’t legally own it until your make your final monthly payment.

You won’t pay a large sum up front, or at the end of the agreement, unlike some other types of motorbike finance. However, like many other finance types, the agreement is secured against your motorbike. This means that your motorbike could be repossessed if you don’t meet your monthly payments.

If you’d like to read more about the different finance then check out our guide on the types of motorbike finance.

It’s important to fully understand the terms and conditions and all of the costs involved before you sign any motorbike finance agreement. That’s why we suggest playing around with our calculator, and once you’re ready, get a quote.

Conditional Sale motorbike finance diagram

We use a Conditional Sale agreement. This means you will have full access to the motorbike, but won’t legally own it until your make your final monthly payment.

You won’t pay a large sum up front, or at the end of the agreement, unlike some other types of motorbike finance. However, like many other finance types, the agreement is secured against your motorbike. This means that your motorbike could be repossessed if you don’t meet your monthly payments.

Conditional Sale motorbike finance diagram

If you’d like to read more about the different finance then check out our guide on the types of motorbike finance.

It’s important to fully understand the terms and conditions and all of the costs involved before you sign any motorbike finance agreement. That’s why we suggest playing around with our calculator, as it gives you an idea of what your monthly payments may look like depending on how much you wish to borrow, and for how long.

FAQs about our motorcycle finance calculator

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 only finance motorbikes which fit within our lending criteria:

  • Priced between £3,600 – £15,000
  • Minimum engine size of 125cc
  • No more than 30,000 miles on the clock at the start of the agreement
  • 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.

FAQs about our motorcycle finance calculator

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 only finance motorbikes which fit within our lending criteria:

  • Priced between £3,600 – £15,000
  • Minimum engine size of 125cc
  • No more than 30,000 miles on the clock at the start of the agreement
  • 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.

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.