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Compare Motorbike Loans

Compare motorbike loans from a panel of UK lenders via Brumble. Check your eligibility with a soft search that will not affect your credit score. Representative 29.8% APR (fixed).

Soft search, no credit impact
One search, multiple lenders
Borrow up to £35,000
5.0Rated 5 stars on Google
Check Your Eligibility

Brumble works with ClearScore, a credit broker, to help you compare motorbike loan options from a panel of lenders.

Both Brumble and ClearScore are credit brokers, not lenders.

How Does a Motorbike Loan Work?

Checking your eligibility for a motorbike loan via Brumble is quick and easy. You could borrow between £1,000 and £35,000, with repayment terms from 1 to 7 years.

1

Tell Us What You Need

Enter how much you want to borrow for your motorbike, choose a term.

2

See Your Options

A soft search checks your eligibility across multiple lenders. It will not affect your credit score.

3

Choose and Apply

Pick the offer that works for you then complete your application.

Check Your Eligibility

When checking your eligibility, select 'Car Loan' as the loan purpose. This covers cars, motorbikes, and vans.

Motorbike Loan Calculator

Use our motorbike loan calculator to estimate your monthly repayments on a personal loan for a motorbike. Enter the amount you want to borrow, choose a term, and adjust the APR to see how the numbers change.

£
£1,000£15,000

Monthly Repayment

£161.10

Total repayable

£5,799.65

Total interest

£799.65

Check Your Eligibility

When checking your eligibility, select 'Car Loan' as the loan purpose. This covers cars, motorbikes, and vans.

Brumble works with ClearScore, a credit broker, to help you compare motorbike loan options from a panel of lenders.

Both Brumble and ClearScore are credit brokers, not lenders.

Representative example: If you borrow £5,000 over 36 months at a rate of 29.8% APR (fixed), your monthly repayments would be £211.70. The total amount repayable would be £7,621.20. Total cost of credit: £2,621.20. The rate you are offered may differ based on your individual circumstances.

Why Use a Personal Loan to Buy a Motorbike?

When people search for motorbike finance, they usually mean one of three things: a personal loan, hire purchase (HP), or personal contract purchase (PCP). HP and PCP are forms of finance where the lender holds security over the bike until you have paid in full. A personal loan is different. It is unsecured, which means the bike is yours from day one. Here is how the three options compare.

Personal Loan

  • You own the bike outright from day one
  • Buy from any seller: dealer, private, or auction
  • No mileage restrictions
  • Usually requires a higher credit score
  • Sell the bike at any time
  • Bundle extras like insurance and gear into your budget

Hire Purchase (HP)

  • You do not own the bike until the final payment
  • No mileage restrictions
  • No balloon payment
  • Cannot sell the bike until the finance is settled
  • Finance is secured against the bike

PCP

  • You do not own the bike until you pay the balloon payment
  • Typically lower monthly payments than HP
  • Mileage limits may apply
  • Large balloon payment at the end to keep the bike
  • Finance is secured against the bike

A personal loan gives you the most flexibility. You are not tied to a dealer, you own the bike outright, and you can insure it with any provider.

Moped, Scooter, and 125cc Finance

Mopeds, scooters, and 125cc motorbikes are some of the most cost-effective vehicles on the road, and a personal loan is one of the simplest ways to finance one. Whether you are buying your first 50cc moped, a 125cc scooter for commuting, or upgrading to a geared 125cc motorbike, you can spread the cost with fixed monthly payments and own it outright from day one.

A new 125cc motorbike or scooter typically costs between £1,500 and £4,000, while a used one can be found for £800 to £2,500. A 50cc moped is often even cheaper, starting from around £600 used. A personal loan lets you cover the purchase price and, if you choose, bundle in extras like insurance, a helmet, gloves, and protective clothing.

Unlike dealer finance, a personal loan is not tied to a specific seller. You can buy from a dealer, a private seller, or an online marketplace. This is especially useful for mopeds and scooters, where some of the best value is found second-hand.

You do not need a full motorcycle licence to ride a 50cc moped or a 125cc on L plates. A CBT certificate is enough to get you on the road, which makes moped finance a popular option for learners, students, and commuters looking for a cheaper alternative to public transport.

Once you have your moped or scooter, you will need insurance. You can compare scooter and moped insurance via Brumble from 25+ trusted UK providers. You can also check your road tax and MOT status using our free tools.

Check Your Eligibility

When checking your eligibility, select 'Car Loan' as the loan purpose. This covers cars, motorbikes, and vans.

Motorbike Loans with Bad Credit

A poor credit history does not automatically mean you cannot get a motorbike loan. When you check your eligibility via Brumble, a soft search is carried out across a panel of personal loan lenders. Some of these lenders specialise in lending to people with lower credit scores.

The rate you are offered will depend on your individual circumstances and may be higher than the representative APR. A higher rate means higher monthly repayments and a greater total cost, so it is important to use the calculator above to check what you can afford before applying.

If you are declined or unhappy with the rates available, there are steps you can take to improve your credit score before trying again. Check your credit file for errors, make sure you are on the electoral roll, pay existing bills on time, and avoid making multiple credit applications in a short period.

5 tips for getting a cheaper rate →

What Motorbike Can You Afford?

Under £2,000

Older 125cc bikes, project bikes, or a first bike on a budget. This range covers many used 125cc models from brands like Honda, Yamaha, and Lexmoto. Insurance costs are typically lower for smaller bikes.

£2,000 to £5,000

Newer 125cc models, used naked bikes like the Yamaha MT-07, or entry-level adventure bikes. This is the most popular borrowing range for motorbike buyers.

£5,000 to £10,000

New 125cc bikes, mid-range used motorcycles, or nearly new machines. Brands like Honda, Kawasaki, and Triumph sit in this range for many models.

Over £10,000

New motorcycles, premium brands, or high-performance bikes. For amounts above £10,000, lender competition tends to be strong, which can mean better rates.

Only borrow what you need. A motorbike depreciates over time, so it is important to consider this when deciding how much to borrow and over what term. Use our Budget Planner to check what you can comfortably afford.

Ready to compare motorbike loans?

Check your eligibility in minutes. One soft search, no impact on your credit score.

Check Your Eligibility

When checking your eligibility, select 'Car Loan' as the loan purpose. This covers cars, motorbikes, and vans.

Representative 29.8% APR (fixed)

Explore More from Brumble

Motorbike Insurance

Compare motorbike insurance from 25+ UK insurers via Brumble.

Learn more →

Personal Loans

Compare personal loans for any purpose.

Learn more →

Car Loan

Use a personal loan to buy a car.

Learn more →

Van Loan

Use a personal loan to buy a van for personal or business use.

Learn more →

Motorbike Finance FAQs

Common questions about motorbike loans, eligibility, and how borrowing for a motorbike works.

It depends on your circumstances. A personal loan lets you spread the cost of a motorbike, scooter, or moped over a fixed term with predictable monthly repayments, which can make a more expensive bike accessible without saving up the full amount first. The key is to make sure the monthly repayment fits comfortably within your budget and that the total cost of borrowing represents good value compared to waiting and paying in cash.
When you check your eligibility via Brumble, select 'Car Loan' as the loan purpose. ClearScore groups all vehicle purchases, including motorbikes, scooters, and mopeds, under this category. This has been confirmed by ClearScore and will not affect your application.
There is no single credit score required. Each lender sets its own criteria based on your credit history, income, and existing commitments. A higher credit score may unlock lower interest rates, while a lower score does not necessarily mean you will be declined. Use an eligibility checker to see your likely options without affecting your credit score.
Yes, some lenders offer motorbike loans to applicants with lower credit scores, though the interest rate may be higher. Checking your eligibility via Brumble uses a soft search, which does not affect your credit score. This lets you see what you may be offered before deciding whether to apply.
Yes. A personal loan can be used to finance any motorbike, including 125cc bikes, scooters, and mopeds. You choose the loan amount and repayment term, so you can spread the cost in a way that suits your budget. Loans are available from £1,000, which covers most 125cc bikes. Once you have your bike, you can compare scooter and moped insurance via Brumble too.
A personal loan gives you a lump sum, so you own the bike outright from day one and can buy from any seller, whether that is a dealer, a private seller, or an auction. Dealer finance involves the lender holding security over the bike until you have paid in full. A personal loan offers more freedom, while dealer finance may offer specific incentives. You can check your eligibility for a personal loan via Brumble.
Yes. Because a personal loan gives you a lump sum, you can factor in the cost of motorbike insurance, a helmet, protective clothing, or any other upfront costs when deciding how much to borrow. This is not possible with most dealer finance agreements, which only cover the bike itself.
Yes. Under the Consumer Credit Act, you have the right to repay your loan early at any time. Most lenders charge up to two months of interest as an early settlement fee. Check the early repayment terms before you borrow if you think you might want to pay it off ahead of schedule.
Unsecured personal loans are typically available from £1,000 up to £35,000. The amount you can borrow depends on your income, existing financial commitments, and credit history. Most motorbikes, scooters, and mopeds fall well within this range, so a personal loan is suitable for everything from a 125cc commuter to a high-end sports bike.
No. Brumble is an Introducer Appointed Representative of ClearScore, which acts as a credit broker. ClearScore helps you compare motorbike loan offers from a panel of UK lenders. You check your eligibility with a single soft search, then choose the offer that works for you and apply directly with the lender.
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Brumble is a trading name of Be Clear Technologies Limited, an Introducer Appointed Representative of ClearScore. ClearScore is a trading name of ClearScore Everywhere Limited, authorised and regulated by the Financial Conduct Authority (FCA). Registered office: Vox Studios, 1-45 Durham Street, London, SE11 5JH. Registered in England and Wales, company number 06297533. VAT number 257 0001 44. ClearScore acts as a credit broker, not a lender. If you take out a product or are introduced to a third-party provider via Brumble, both Brumble and ClearScore will receive a payment from that provider. This payment may be a fixed or variable amount depending on the product and lender, but it will not affect the amount you pay back.

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