Motorbike finance

  • No deposit motorbike finance options
  • No arrangement fees
  • No obligation quote
  • Most credit scores considered
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*representative APR of 22.4%
Picture of a black motorbike on finance.

Motorbike finance calculator

Rates from 8.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative APR 22.4%.

Representative example: borrowing £7,500 over 5 years with a representative APR of 20.25%, an annual interest rate of 20.25% (Fixed) and a deposit of £0.00, the amount payable would be £192.84 per month, with a total cost of credit of £4070.40 and a total amount payable of £11,570.40.

We will always provide the best rate from our panel of lenders and based on your individual circumstances. We do not charge any fees for our service. But we earn a commission from the lenders we work with. This does not affect the interest rate you will be offered.

Person sat wearing a black helmet sat on a black motorbike.

Find the most competitive motorbike and motorcycle finance deals

Use our motorbike finance calculator provided to get an instant quote on your dream motorcycle and get on the road as soon as today. Our online application is simple and requires a few basic details to give you an instant quote from a range of UK motorbike finance providers.

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*representative APR of 22.4%

How motorbike finance works with Quick Car Finance

Our online application process for motorbike finance couldn’t be simpler. All we require is just some basic information including the amount you wish to borrow, the length of the repayment term and your credit status.

Our instant checker will provide a list of competitive quotes from all the motorbike lenders across the UK – and you can choose the best offer to get your motor running.

It is completely free to get a motorbike finance quote and applying will not impact your credit score. Simply check your eligibility and once fully approved, we will be able to transfer funds to the bike dealership within 24 to 48 hours.

What brands can I get motorbike finance with?

Our customers use motorbike finance for purchasing BMWs, Ducati, Honda, Suzuki, Harley Davidson and any other motorbike upon request.

We have personally checked a number of dealerships across the country and can recommend the best one for you. If you prefer, you can also use your own chosen dealership and we will always run a series of checks to ensure that you are getting the best quality vehicle and the lowest price.

What types of motorbike finance are available?

Infographic in the shape of a motorbike explaining motorbike finance.

Motorbike Personal Contract Purchase (PCP)

Similar to Hire Purchase, Personal Contract Purchase requires you to pay an initial deposit and then make monthly repayments over a fixed period of time. The higher your initial deposit payment, the lower your monthly repayments. Monthly payments are typically lower than a personal loan or through hire purchase because you pay off the value of the motorbike’s depreciation rather than the full value of the motorbike.

Once the repayment period is finished, you have the option to keep the motorcycle. This is known as a “balloon payment” and covers the rest of the cost of the motorbike. Once that balloon payment is made, the ownership transfers from the finance company you use to you. You also have the option to return the motorbike. At this point, you could start a new PCP financing agreement and purchase a new motorcycle.

Whilst a deposit usually starts from 10% of the overall motorbike value, this may not suit every customer and we are always happy to discuss the different finance options available, including mopeds and motocross with no deposit.

Motorbike Hire Purchase (HP)

This works differently to a PCP in that you hire the motorbike from the finance company and you make fixed monthly payments until the full amount borrowed is paid off. At the end of the repayment period, you can choose to keep the motorbike (once you’ve paid an administrative fee which can range from £1-£299+). Hire Purchase is a great choice if you want to eventually own your own motorbike.

Infographic in the shape of a motorbike explaining motorbike finance.
Motorbike Finance

Motorbike Unsecured Loan/Personal Loan

This works by borrowing a fixed sum of money that you pay off over a fixed period of time. It is known as an unsecured loan because it is not secured against anything. Once you finance your motorbike through a personal loan option, you immediately take ownership of the motorbike because the loan money has been transferred to your dealership and paid for the bike.

That gives you a little more flexibility as you can sell the motorbike whenever you want without settling anything with your finance company. However, you will still need to make monthly payments to pay off any loan remaining, or you can pay the entire amount off with one lump sum payment.

Motorbike Finance FAQs

Yes, our finance partners may be able to offer motorbike finance with no deposit. To be eligible, you may need to trade in an existing vehicle (such as a car or motorcycle) or this will also be reflected in the fixed monthly payments that you pay.

Whilst a deposit usually starts from 10% of the overall motorbike value, this may not suit every customer and we are always happy to discuss the different motorcycle finance options available.

No, we run a soft credit check on every applicant and this means that we can gain an insight into their credit history, but it will disappear from their credit file soon afterwards.

Applying for motorbike finance with Quick Car Finance will not impact your credit score or affect your chances of being approved for other financial products.

Quick Car Finance was founded in 2017 and we set up to help car and motorbike enthusiasts to get the best terms and rates when purchasing a new vehicle. There is no better feeling than getting your hands on a new bike and the wind blowing through your hair – and we share that passion.

We wanted to make sure that every customer has access to the best motorbike finance rates possible – and is not charged inflated rates by their finance provider or dealership, something that has affected millions across the UK.

Our application process is designed to put customers into groups based on their budget and credit status and offer the lowest rates possible. We also perform a check on every vehicle purchased and the dealership, to ensure there are no faults and you are truly getting the best rates.

As well as providing finance options for two-wheeled motorcycles, Quick Car Finance also provides finance deals on a range of other bike options like high-performance bikes, scooters, mopeds, quad bikes, and many more.

Here is the full list of motorbike finance we provide:

  • Motorbike finance
  • Motorcycle finance
  • Harley Davidson finance
  • Motocross finance
  • Scooter finance
  • Classic bike finance
  • Moped finance
  • Quad bike finance
  • Sports bike finance

Our application is 100% online and requires a few basic details to give you an instant quote from a range of motorbike finance providers in the UK.

Simply check your eligibility for motorbike finance and once fully approved, we will transfer funds to the bike dealership within 24 to 48 hours.

Apply for your motorbike finance today!

The online application for used car finance takes a few minutes, and we won’t ask for any unnecessary information. Once you complete your application, our friendly customer service team will be in contact with you to discuss the next steps.

Interested in our motorbike finance options?

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*representative APR of 22.4%