Quick Car Finance provides an ideal solution for those wanting to buy a motorbike without upfront funds. With motorbike finance, you can spread the cost over time, making ownership more affordable and manageable.
The team at Quick Car Finance goes above and beyond, carefully reviewing their panel of lenders to secure the best available rate for your motorbike finance. They’re dedicated to finding a competitive deal that matches your financial profile and eligibility.
Whether you’re seeking affordable motorbike finance or financing for a used bike, Quick Car Finance has options to suit a variety of needs. Plus, you’ll have the dedicated support of an account manager to guide you through every step of the process, ensuring a seamless experience.
Use our motorbike loan calculator to calculate payments over the life of your motorbike loan. Enter your information to see how much your monthly payments could be. You can adjust length of loan, down payment and interest rate to see how those changes raise or lower your payments.
Other fees and incentives are not included in this calculation, which is an estimate only. Monthly payment estimates are for informational purpose and do not represent a financing offer. Other taxes may apply.
“Absolutely fantastic service from Jay! Literally pulled out all the stops for us to get this vehicle! Always polite, professional and friendly! Always keeping me up to date. Would highly recommend! Thanks Jay!!”
Nicola Pearce (September 2022)
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Motorbike finance is a financial arrangement that allows you to purchase a motorbike through monthly payments rather than a one-time, upfront cost. A lender provides the funds, which you repay over an agreed term, often with interest. Once you complete the payments, ownership of the bike is either transferred to you, or you have the option to return or upgrade, depending on the finance plan chosen.
Yes, many lenders offer used motorbike finance, making it possible to finance second-hand bikes. Used motorbike finance typically has lower loan amounts than new bike finance, resulting in more affordable monthly payments. This option is ideal for buyers looking to save on costs while still accessing quality, reliable motorbikes.
Common motorbike finance options include Hire Purchase (HP), Personal Contract Purchase (PCP), Lease Purchase, and personal loans. HP offers a straightforward path to ownership, PCP provides flexibility at the end of the term, Lease Purchase requires a final payment to keep the bike, and personal loans allow you to own the bike outright from the start. Each option has different benefits, depending on your financial needs and preferences.
Yes, finance options are available for a range of motorbike types, including superbikes and motocross bikes. Whether you’re looking for a high-performance superbike or an off-road motocross bike, finance packages can be tailored to suit specific needs. Superbike loans and motocross bike finance often have flexible terms, allowing you to manage the cost over time.
To find the best motorbike finance deals, it’s recommended to compare offers from different lenders. Check for competitive rates, low deposit requirements, and favourable terms that match your budget. Looking for seasonal or promotional motorbike finance offers can also help you secure lower interest rates or additional perks, making it more affordable to finance a bike.
Yes, low interest motorcycle loans are available, particularly for applicants with a strong credit profile. If you have a good credit score, you may qualify for more favourable rates, resulting in lower monthly payments. Comparing quotes from various lenders can also help you find the lowest motorcycle loan rates suited to your financial situation.
Motorbike finance can be a flexible way to purchase a motorcycle without paying the full cost upfront. By spreading the cost over manageable monthly instalments, buyers can make ownership more accessible across a range of budgets.
Whether you’re looking for a new superbike, a used motorcycle or a motocross bike, there are different ways to fund a purchase. The right arrangement will depend on factors such as the vehicle, deposit, repayment period and your financial circumstances.
This guide explains the main ways to finance a motorcycle, how different agreements work and what to consider when choosing an option that suits your needs.
Motorbike finance is a financial agreement where a lender provides funds to help you purchase a motorcycle. Instead of paying the full price upfront, the buyer repays the amount through monthly payments over an agreed period, which may include interest.
There are several types of agreements available, including Hire Purchase, PCP, personal loans and Lease Purchase. Each has different terms and benefits, so it’s important to understand the total cost before making a decision.
There are several common ways to fund a motorcycle purchase. The most suitable choice will depend on your budget, ownership plans and financial circumstances.
Hire Purchase is a straightforward option where you pay an initial deposit followed by fixed monthly payments over an agreed term. Once all required payments have been made, ownership of the motorcycle is transferred to you.
Benefits of Hire Purchase:
Hire Purchase can suit buyers who want predictable monthly costs and a clear path to ownership.
Personal Contract Purchase offers greater flexibility, with a deposit followed by monthly payments over a set period. At the end of the agreement, you can usually choose to make a final payment to keep the motorcycle, return it or trade it in, subject to the agreement terms.
Benefits of PCP:
PCP can appeal to buyers who prefer lower monthly payments and flexibility at the end of the agreement.
A personal loan allows you to borrow money from a bank or lender and purchase the motorcycle outright. You become the owner immediately and repay the loan over an agreed period, with interest added according to the terms.
Benefits of a Personal Loan:
Personal loans can suit buyers who want immediate ownership and greater flexibility over how they purchase their motorcycle.
Lease Purchase involves monthly payments followed by a final balloon payment at the end of the agreement. Once the final payment has been made, ownership of the motorcycle transfers to the buyer.
Benefits of Lease Purchase:
This arrangement can appeal to people who want manageable monthly payments while intending to own the bike eventually.
Buying a second-hand motorcycle can provide a more affordable alternative to purchasing a new model. The lower purchase price may also mean that buyers need to borrow less.
Different funding arrangements may be available for pre-owned bikes, although the terms can vary depending on the motorcycle, its age and value, as well as the applicant’s circumstances.
For buyers considering a used motorbike, it’s worth considering the total cost of the vehicle alongside any monthly payments.
High-performance motorcycles can come with significantly higher purchase prices, making spreading the cost an attractive option for some buyers.
Depending on the lender and motorcycle, agreements such as PCP, HP or personal loans may be available. Buyers should consider the deposit, monthly payments, interest and total amount payable before choosing an arrangement.
Motocross and dirt bikes have different requirements from road-going motorcycles and can be purchased for recreational, sporting or competitive use.
Funding may be available for both new and used models, although the options and terms offered can vary between lenders. Buyers should consider the motorcycle’s price and their overall budget before committing to an agreement.
Offers can vary depending on the lender, motorcycle, deposit, interest rate and length of the agreement. Promotional deals may sometimes include reduced rates or deposits, but availability and eligibility can vary.
When comparing different offers, look beyond the monthly payment. Consider the interest rate, total amount payable, fees and other terms to understand the overall cost.
Applying is usually a straightforward process. First, choose the motorcycle you want and consider which type of agreement may suit your budget and ownership plans.
You’ll normally need to provide information such as your income, employment status and other financial details. The lender will then assess your application and determine whether you’re eligible for the terms offered.
Before accepting an agreement, check the monthly payment, interest rate, total amount payable and any additional fees.
A finance quote provides an estimate of the costs involved and will typically show the expected monthly payment, interest rate and total amount payable.
When comparing quotes, consider the full cost rather than simply choosing the lowest monthly payment. The amount borrowed, repayment period, deposit and applicant’s financial circumstances can all affect the figures offered.
Finding a suitable agreement involves comparing the available options and considering your own circumstances.
Taking time to compare the overall cost can help you make a more informed decision.
Different arrangements can be available for a wide range of budgets and motorcycle types. Whether you’re buying an affordable used bike or a high-performance model, the amount you can borrow and the terms offered will depend on your circumstances.
Comparing monthly payments, interest rates and the overall cost can help you choose an arrangement that fits your budget.
Financing a motorcycle can offer several benefits for prospective buyers:
The right option will depend on your budget, circumstances and the motorcycle you want to purchase. Always make sure you understand the full agreement before committing.
With different ways to fund a motorcycle available, buyers can choose an arrangement that suits their circumstances, whether they’re looking for a standard road bike, a superbike or a motocross model.
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