EV ZoneGet a Used Motorbike Finance Quote Today.
Compare motorbike and motorcycle finance from £3,000. Spread your monthly payments over 1 to 5 years.
Get fast decisions on HP & PCP.
No Deposit Required.
125cc bikes, mopeds and scooters too.
Representative 19.5% APR. No impact on your credit score. Our partner uses a soft search to give you a quote. If you proceed, a hard search will be conducted which may impact your credit score. We're partnered with Car Finance 24/7. As an Introducer Appointed Representative of Carfinance247 Limited (FCA FRN: 653019), we receive a commission if you purchase finance products through the link above. We do not provide advice or make recommendations.
How Motorbike Finance Works
Getting a motorbike on finance via Brumble takes three simple steps. Applying for motorbike finance does not have to be complicated. A soft search checks what you could be eligible for with no impact on your credit score. If you decide to proceed with a full application, a hard credit search will be carried out by the lender, which may affect your credit score.
Check Your Eligibility
See what you could borrow in minutes. Our partner uses a soft search, so your credit score is not affected.
Choose Your Bike
Pick a used motorbike, moped or scooter over £3,000 from a UK dealer.
Collect Your Bike
Once your finance is agreed, just arrange a time to collect your bike.
What Could Motorbike Finance Cost?
Hire purchase (HP) and personal contract purchase (PCP) are the two main types of motorbike finance. This example shows what each could cost for a £5,000 used motorbike over 48 months at the representative 19.5% APR. The rate you get depends on your own situation.
£119.68
per month
With PCP, you have three choices at the end. You can hand the bike back, pay the optional final payment of £2,000.00 to keep it, or part exchange it. If the bike is worth more than you owe, you can put the difference towards your next deal. A yearly mileage limit applies, and you may pay extra for each mile over it.
£27.06/mo cheaper
PCP monthly saving vs HP
£571.44 more
PCP total cost vs HP
Ownership
HP: yours at end. PCP: optional.
Representative Example: Borrow £12,000 over 5 years with a £0 deposit. Representative 19.5% APR fixed rate. Monthly payment: £304.38. Option to purchase fee £10 payable. Total cost of credit: £6,272.80. Total amount repayable: £18,272.80.
Credit is subject to status.
Use the calculator below to try your own figures.
Motorbike Finance Calculator.
Want to know what your monthly payments could be? Our calculator shows what you could pay each month. It uses the bike price, your deposit and the length of the deal.
- Estimate monthly payments instantly
- Compare how bike price and term length affect cost
- See the difference between hire purchase (HP) and PCP monthly payments
Why Get a Motorbike on Finance?
Lots of riders buy motorbikes on finance. You spread the cost into monthly payments, so you can get on the road without paying the full price up front.
Get on the Road Sooner
You can get the bike you want without saving up the full price first. Spread the cost into fixed monthly payments over 1 to 5 years.
Keep Your Savings
Keep your cash for gear, insurance or emergencies, instead of paying for the bike in one go. Deals with no deposit may be available.
Choose a Bike That Suits You
Without finance, your budget limits you to what you can pay today. With hire purchase (HP) or PCP, you could get a bike that suits how you ride.
Who Can Get Motorbike Finance?
To check your eligibility for motorbike finance via Brumble, you usually need to:
- Be 18 or over.
- Have a UK address history.
- Hold a licence. This can be a full, A1, A2, CBT or provisional licence, subject to the lender.
- Buy a bike that costs over £3,000 from a UK dealer.
Meeting these points does not mean you will be accepted. Each lender makes its own decision. Lenders look at your credit history, your income and what you already pay out each month.
125cc Motorbike Finance
Many new riders and commuters start on a 125cc bike. 125cc motorbike finance works in the same way as finance on a bigger bike, on hire purchase (HP) or PCP.
Learners on a CBT may be able to get 125cc bikes on finance too. This is subject to the lender, and you must be 18 or over.
To get 125cc finance, the bike must cost over £3,000. If the bike costs less, a motorbike loan could be another way to spread the cost.
Insurance for new riders can cost more, so check the price before you buy. You can compare motorbike insurance via Brumble.
Moped and Scooter Finance
Moped finance and scooter finance work in the same way as motorbike finance. Mopeds and scooters are covered, as long as the bike costs over £3,000 and meets the lender's rules.
You can ride a moped from 16, but you must be 18 or over to apply for finance. Riders under 18 cannot apply.
Many mopeds and scooters cost less than £3,000. For a cheaper bike, a motorbike loan could help you spread the cost instead.
Bad Credit Motorbike Finance
Bad credit motorbike finance works in the same way as any other deal, but the rate you are offered may be higher. This is the same for motorcycle finance with bad or poor credit. A higher rate means higher monthly payments and a higher total cost.
Lenders look at your credit history, such as missed payments or CCJs. They also look at your income, what you already pay out each month, and how much you want to borrow.
A few simple steps may help:
- Check your credit report for mistakes. You can do this for free with ClearScore, Experian or Credit Karma.
- Register to vote at your current address.
- Put down a bigger deposit if you can, so you borrow less.
- Only borrow what you can comfortably afford.
Checking your eligibility via Brumble uses a soft search, so it will not affect your credit score. If you decide to proceed with a full application, a hard credit search will be carried out which may affect your credit score. All motorbike finance is subject to status. Use the calculator above to see what you could afford before you apply.
Used Motorbike Finance
Motorbike finance via Brumble is for used bikes from UK dealers. You cannot use it to buy from a private seller. Our partner compares lenders for used motorbikes on finance, on hire purchase (HP) or PCP. Some lenders have limits on how old a bike can be and how many miles it has done.
Before you buy, check the bike's history. Our free MOT checker shows its past MOT results and mileage. It also lists advisories, which are things the tester thinks may need work soon. In Great Britain, most bikes need their first MOT when they are 3 years old. Ask the dealer for the service history too.
Motorbike Hire Purchase (HP) vs PCP: Which Could Suit You?
Both let you spread the cost of a bike, but they work in different ways. Here is how they compare.
| Feature | HP (Hire Purchase) | PCP (Personal Contract Purchase) |
|---|---|---|
| Monthly payments | Higher, as you are paying off the full value | Lower, as you only pay off part of the value |
| Own the bike? | Yes, after your final payment | Optional, pay the final payment to keep it |
| Mileage limits | No limits | Yes, a yearly limit applies. Many bikes do low miles, which can suit PCP |
| Wear and tear | No checks at the end, as the bike is yours | The bike is checked if you hand it back, and you may pay for damage |
| Deposit | Usually around 10% (£0 options available) | Usually around 10% (£0 options available) |
| Term length | 1 to 5 years, depending on the lender | 1 to 5 years, depending on the lender |
| End of deal | The bike is yours to keep, sell or trade in | Hand back, pay to keep, or part exchange |
| Hand the bike back early? | Usually, once you've paid half | Usually, once you've paid half |
| Total cost | Often cheaper overall | Can cost more due to interest on the final payment |
| Bad credit? | May be easier to get, as the bike acts as security | Depends on lender |
HP may suit you if
You want to own the bike at the end. You ride a lot of miles. You like a simple deal.
PCP may suit you if
You want lower monthly payments and ride fewer miles. You like to change bikes every few years and want choices at the end of your deal.
Want to know more? Read our guide to PCP vs HP.
Check your eligibility for both HP and PCP deals in minutes (Representative 19.5% APR), with no impact on your credit score. Our partner uses a soft search to give you a quote. If you proceed, a hard search will be conducted which may impact your credit score.
Check Your EligibilityMotorbike Finance or a Motorbike Loan?
There are two common ways to spread the cost of a bike. They work in different ways and give you different protections.
Motorbike finance (HP or PCP)
The finance company owns the bike until you finish paying. The bike is security for the deal. If you stop paying, the lender can take it back.
Motorbike loan
You borrow the money and buy the bike yourself. The bike is yours from day one, with no mileage limits. The loan is not secured on the bike.
| Feature | Motorbike finance (HP or PCP) | Motorbike loan |
|---|---|---|
| Who owns the bike? | The finance company, until your last payment | You, from day one |
| Who's responsible if it's faulty? | The finance company and the dealer | The seller, as the lender is not involved |
| Can you hand it back? | Usually, once you've paid half | No, you keep paying the loan |
| Can the lender take the bike back? | Yes, if you stop paying. Once you've paid a third, it usually needs a court order | No, as the loan is not secured on the bike |
The motorbike finance rights above apply to regulated deals. Most deals for personal use are regulated.
Riding gear, helmets, security such as locks, and insurance usually cannot go on HP or PCP. A motorbike loan could cover these as well as the bike.
Prefer to own the bike outright from day one? Compare motorbike loans.
Buying a car instead? Compare car finance.
Looking for something else? See all money products.
How to Compare Motorbike Finance Deals
When you compare motorbike finance deals, start with the total amount you will repay, not just the monthly payment. A lower monthly payment can cost more overall. These six things affect the deal you are offered.
Your credit score: Lenders use your credit history to decide what rate to offer. A higher score usually means a lower APR. APR is the yearly cost of borrowing, with interest and fees. You can check your score for free with ClearScore, Experian or Credit Karma.
The size of your deposit: A bigger deposit means you borrow less. This can lower your monthly payments and the total cost. Even a small deposit can help.
The length of the agreement: A shorter deal means higher monthly payments but less interest overall. A longer deal, up to 5 years, spreads the cost, but you pay back more in total.
The bike's value, age and mileage: Lenders look at the bike's age, mileage and condition, and these can affect your rate. Some lenders limit how old a bike can be by the end of the deal.
The type of finance: Hire purchase (HP) and PCP work differently and suit different budgets. HP gives you ownership at the end. PCP has lower monthly payments, but there is a final payment if you want to keep the bike.
Your work and income: Lenders check you can afford the payments, based on your income and outgoings. The type of work you do can also affect the offers you get.
Check a Bike Before You Buy
Before you agree to finance, check the bike's history. Our free MOT checker shows its past MOT results and any advisories. Our tax checker shows its road tax and ULEZ status.
Already Got a Motorbike on Finance?
Already paying for a motorbike on finance? Make sure you are not paying too much for motorbike insurance too. Comparing quotes from a range of insurers is a quick way to check.
Content produced by
Ryan is the founder of Brumble and has over a decade of experience in the UK motor finance and insurance industry. He created Brumble to make it easier for UK drivers to understand the insurance and finance world by cutting through the jargon.
Originally published: 13 November 2026 · Last updated: 13 November 2026
Motorbike Finance FAQs.
Find answers to your common questions about motorbike finance.
Motorbike finance, also called motorcycle finance, lets you spread the cost of a bike over monthly payments instead of paying it all at once. A lender pays for the bike, and you pay them back over 1 to 5 years with interest. With Hire Purchase (HP), you own the bike once it is paid off. With Personal Contract Purchase (PCP), you can keep, return or part exchange the bike at the end.
It may be possible. Our partner accepts all licence types, including full, A1, A2, CBT and provisional licences. Each lender makes its own decision, so this is subject to the lender. You must also be 18 or over.
You must be 18 or over to apply for motorbike finance. This is the same for mopeds and scooters, even though you can ride a moped from 16.
Yes, 125cc finance is available as long as the bike costs over £3,000 and meets the lender's rules. It works in the same way as finance on a bigger bike. Learners on a CBT may be able to get 125cc bikes on finance, subject to the lender. If the bike costs less than £3,000, a motorbike loan could be another option.
Yes. Moped finance and scooter finance are available as long as the moped or scooter costs over £3,000 and meets the lender's rules. You must be 18 or over to apply. For a cheaper moped or scooter, a motorbike loan could help instead.
With HP, you pay off the full value and own the bike at the end, with no mileage limits. PCP has lower monthly payments, as you only pay off part of the bike's value. There is a final payment if you want to keep it. PCP also has a yearly mileage limit, but many riders do low miles, so this may not be a problem.
A balloon payment is the larger final payment at the end of a PCP deal. You only pay it if you want to keep the bike. It is set at the start, based on what the bike is expected to be worth.
You usually have three choices. Pay the balloon payment and keep the bike. Hand the bike back with nothing more to pay, as long as you are within the mileage limit and it is in good condition. Or part exchange it for another bike.
Yes, it is possible to get motorbike finance with bad credit, although the rates and terms may differ from those offered to applicants with higher credit scores. Some lenders specialise in working with people who have lower credit scores, CCJs, or limited credit history. Applying via Brumble uses a soft search first, so checking your eligibility will not affect your credit score. If you decide to proceed with a full application, a hard credit search will be carried out which may affect your credit score. All motorbike finance is subject to status. Bad credit motorbike finance may also need a bigger deposit, depending on the lender.
There is no single score you need. Each lender sets its own rules. A better credit score usually means a lower rate, but some lenders work with people who have bad or poor credit. Checking your eligibility via Brumble uses a soft search, so it will not affect your credit score. If you decide to proceed with a full application, a hard credit search will be carried out which may affect your credit score. All motorbike finance is subject to status.
Not always. Some lenders may offer motorbike finance with no deposit, depending on your circumstances. Putting a deposit down means you borrow less, so your monthly payments are lower. Remember to budget for insurance, gear and running costs. You can compare motorbike insurance quotes via Brumble.
Yes. Our partner compares lenders who will look at self-employed people. You may be asked for proof of income, such as tax returns or bank statements. Checking your eligibility via Brumble uses a soft search, so it will not affect your credit score. If you decide to proceed with a full application, a hard credit search will be carried out which may affect your credit score. All motorbike finance is subject to status.
Lenders usually ask for photo ID, such as your driving licence, proof of address, your bank details and proof of income. If you are self-employed, they may ask for tax returns or accounts.
The initial eligibility check via Brumble's partner is a soft search, so it will not affect your credit score. A hard credit check only happens if you decide to proceed with a full application. This hard search may cause a temporary dip in your credit score, even if you are approved. If you apply to several lenders in a short time, the hard searches could add up, so it is worth being selective.
With hire purchase (HP) and PCP, the finance company owns the bike until your last payment. That means it is responsible if the bike is faulty or not as described, as well as the dealer. You usually have 14 days to change your mind after signing. You can pay off the deal early, and you may get some interest back. Once you have paid half of the total amount, you can usually hand the bike back and end the deal. Once you have paid a third, the lender usually needs a court order to take the bike back. These rights apply to regulated agreements, which covers most deals for personal use.
If you have a regulated HP or PCP deal, you can usually hand the bike back once you have paid half of the total amount. This is called voluntary termination. You may need to pay extra if the bike has damage beyond normal wear and tear. If you are struggling with payments, talk to your lender early. Free help is also available from MoneyHelper.
Yes, you can usually pay off motorbike finance early. Ask your lender for a settlement figure, which shows how much you need to pay to clear the agreement. You may pay less interest overall, but some lenders charge a fee for settling early.
With a motorbike loan, you own the bike from day one and the lender cannot take it back. But the lender has nothing to do with the bike, so if it is faulty, you deal with the seller. You also cannot hand the bike back to end the loan. With HP or PCP, the finance company owns the bike until you finish paying, so it shares responsibility if something is wrong. You can also usually hand the bike back once you have paid half. The bike is security for the deal, so if you stop paying, the lender can take it back. A loan could also cover riding gear and insurance, which usually cannot go on HP or PCP. Compare motorbike loans.