Motorbike finance

We can help walk you through the entire motorcycle finance process.
To get started you will need:
  • Monthly earnings over £1,000 (after tax)
  • To be aged between 25 and 70
  • Valid A1, A2 or A UK motorbike licence or a valid CBT certificate
  • 2 consecutive months of payslips or bank statements

Motorbike finance calculator

  • Monthly payment: £000.00
  • Total to repay: £00,000.00
  • Calculated APR: 00.0%

Representative 31.9% APR

*a £400 deposit may be required depending on your credit score

Feefo logo

On average our customers rate our service 4.4 out of 5. (July 2021)

Motorbike finance

We can help walk you through the entire motorcycle finance process.

To get started you will need:

  • Monthly earnings over £1,000 (after tax)

  • To be aged between 25 and 70

  •  Valid A1, A2 or A UK motorbike licence or a valid CBT certificate

  • 2 consecutive months of payslips or bank statements

Feefo logo
On average our customers rate our service 4.4 out of 5. (July 2021)

Motorbike finance calculator

  • Monthly payment: £000.00
  • Total to repay: £00,000.00
  • Calculated APR: 00.0%

Representative 31.9% APR

Are you looking for motorbike finance? Moneybarn are vehicle finance specialists wanting to help you onto a better road ahead. We offer finance on most types of motorbikes ranging from 14.9% – 49.9% APR.

Depending on your personal situation you can get finance from £2,500 – £15,000 for your new motorbike. You’ll need a minimum of £400 deposit to get started with our motorcycle finance, but this will go towards the cost of the motorbike.

When you are ready to start looking for your next motorbike, you can browse the different motorbike brands on the market today to see what would be best for you.

Are you looking for motorbike finance? Moneybarn are vehicle finance specialists wanting to help you onto a better road ahead. We offer finance on most types of motorbikes ranging from 14.9% – 49.9% APR.

Depending on your personal situation you can get finance from £2,500 – £15,000 for your new motorbike. You’ll need a minimum of £400 deposit to get started with our motorcycle finance, but this will go towards the cost of the motorbike.

When you are ready to start looking for your next motorbike, you can browse the different motorbike brands on the market today to see what would be best for you.

How does motorcycle finance work?

To get motorcycle finance with Moneybarn you will need to follow our simple application process. The first step is to get a quote which will take less than 5 minutes. When you ask for a quote, only a soft search will be done on your credit file, but we’ll be able to tell you how much we could lend to you for a new motorbike.

Depending on whether you are accepted or accepted in principle for our motorbike finance, we may need to ask for a few more details to give you a more accurate quote. From here you can start to book in test drives to see which motorbike you would like to get. If you are struggling to find a suitable motorbike, then our Direct Sales Team will be happy to help you with your search.

Once you’ve decided that you want to proceed with our motorcycle finance and have found the perfect motorbike for you, we will draw up your contract. Once you’ve signed these and sent them back to us, we will arrange the payment to be sent for the motorbike you are wanting to buy.


It’s that simple.

How does motorcycle finance work?

To get motorcycle finance with Moneybarn you will need to follow our simple application process. The first step is to get a quote which will take less than 5 minutes. When you ask for a quote, only a soft search will be done on your credit file, but we’ll be able to tell you how much we could lend to you for a new motorbike.

Depending on whether you are accepted or accepted in principle for our motorbike finance, we may need to ask for a few more details to give you a more accurate quote. From here you can start to book in test drives to see which motorbike you would like to get. If you are struggling to find a suitable motorbike, then our Direct Sales Team will be happy to help you with your search.

Once you’ve decided that you want to proceed with our motorcycle finance and have found the perfect motorbike for you, we will draw up your contract. Once you’ve signed these and sent them back to us, we will arrange the payment to be sent for the motorbike you are wanting to buy.


It’s that simple.

Getting started with motorbike finance

To get started with our motorbike finance, you’ll need:

• Monthly earnings over £1,000 (after tax)
• A minimum deposit of £400 
• To be aged between 25 and 70
• Valid A1, A2 or A UK motorbike licence or a valid CBT certificate
• 2 consecutive months of payslips or bank statements

We can provide motorcycle finance as long as it meets the following criteria:

  • Motorbike price between £2,500 – £15,000
  • Have a minimum engine size of 125cc
  • Have a total mileage of up to 30,000 at the start of the agreement
  • No older than 12 years at the end of the agreement

Please take a look at our lending criteria page for more information.

If you’re worrying that you might not be able to get motorbike finance, then do not worry. We also specialise in motorbike loans for people with poor credit.

Motorbike Finance Cardiff

Getting started with motorbike finance

Motorbike Finance Cardiff

To get started with our motorbike finance, you’ll need:

• Monthly earnings over £1,000 (after tax)
• A minimum deposit of £400 
• To be aged between 25 and 70
• Valid A1, A2 or A UK motorbike licence or a valid CBT certificate
• 2 consecutive months of payslips or bank statements

We can provide motorcycle finance as long as it meets the following criteria:

  • Motorbike price between £2,500 – £15,000
  • Have a minimum engine size of 125cc
  • Have a total mileage of up to 30,000 at the start of the agreement
  • No older than 12 years at the end of the agreement

Please take a look at our lending criteria page for more information.

If you’re worrying that you might not be able to get motorbike finance, then do not worry. We also specialise in motorbike loans for people with poor credit.

Motorbike finance types

What’s the best way to finance a motorbike? Well, if you’ve ever had a car on finance, then you’ll be glad to know it works in exactly the same way.

As you probably already know, there are many types of motorbike finance available. Depending on what you want there are motorcycle finance options suited to different people’s needs, but there is no one size fits all.

At Moneybarn we offer a Conditional Sale Agreement. This means that you have full use and access to the motorbike for the term of the agreement, as long as you keep up your repayments. Although you won’t legally own the motorbike until all repayments have been made, but you will be the registered and named driver.

If you are wondering what the different types of motorcycle finance are then there are many to choose from. Depending on what lender you decide to go with you could be offered a Hire Purchase, Personal Contract Purchase, or a personal loan. There are a few lenders out there that could offer you a motorbike on a lease, but they are less common.

A Hire Purchase (HP) is where you hire the motorbike from the lender until you have paid off your debt, which is very similar to a Conditional Sale Agreement. Once you’ve finished paying the lender back, there is an option to buy the motorcycle outright. This is referred to as an ‘option to purchase’ fee and is usually less than your monthly payments. You’ll only own the vehicle outright once all repayments have been made and you’ve paid the option to purchase fee.

A Personal Contract Purchase (PCP) might be better suited to some as it gives you more flexibility at the end of your agreement, and the monthly repayments tend to be less. It’s where you pay a deposit followed by monthly repayments for an agreed amount of time. At the end of this time period, you have the choice to either hand back the motorbike or pay an amount to buy the vehicle outright. The cost to buy the vehicle is referred to as the Guaranteed Minimum Future Value fee and will vary depending on the make and model of the motorbike.

You can also get a motorbike on lease, although this is a lot less common than the other motorcycle finance options mentioned above. Leasing in simple terms means that you are renting the vehicle for an agreed period of time, but you will never have the option to purchase it. You pay a deposit, or a larger initial payment, followed by fixed payments over a set period of time.

Conditional Sale Agreement illustration

Motorbike Conditional Sale Agreement Graphic

Motorbike finance types

What’s the best way to finance a motorbike? Well, if you’ve ever had a car on finance, then you’ll be glad to know it works in exactly the same way.

As you probably already know, there are many types of motorbike finance available. Depending on what you want there are motorcycle finance options suited to different people’s needs, but there is no one size fits all.

Conditional Sale Agreement illustration

Motorbike Conditional Sale Agreement Graphic

At Moneybarn we offer a Conditional Sale Agreement. This means that you have full use and access to the motorbike for the term of the agreement, as long as you keep up your repayments. Although you won’t legally own the motorbike until all repayments have been made, but you will be the registered and named driver.

If you are wondering what the different types of motorcycle finance are then there are many to choose from. Depending on what lender you decide to go with you could be offered a Hire Purchase, Personal Contract Purchase, or a personal loan. There are a few lenders out there that could offer you a motorbike on a lease, but they are less common.

A Hire Purchase (HP) is where you hire the motorbike from the lender until you have paid off your debt, which is very similar to a Conditional Sale Agreement. Once you’ve finished paying the lender back, there is an option to buy the motorcycle outright. This is referred to as an ‘option to purchase’ fee and is usually less than your monthly payments. You’ll only own the vehicle outright once all repayments have been made and you’ve paid the option to purchase fee.

A Personal Contract Purchase (PCP) might be better suited to some as it gives you more flexibility at the end of your agreement, and the monthly repayments tend to be less. It’s where you pay a deposit followed by monthly repayments for an agreed amount of time. At the end of this time period, you have the choice to either hand back the motorbike or pay an amount to buy the vehicle outright. The cost to buy the vehicle is referred to as the Guaranteed Minimum Future Value fee and will vary depending on the make and model of the motorbike.

You can also get a motorbike on lease, although this is a lot less common than the other motorcycle finance options mentioned above. Leasing in simple terms means that you are renting the vehicle for an agreed period of time, but you will never have the option to purchase it. You pay a deposit, or a larger initial payment, followed by fixed payments over a set period of time.

How much will motorcycle finance cost?

The cost of motorcycle finance will be different for everyone. Depending on your personal circumstances such as salary, residential status, and credit score, your eligibility for motorbike finance will be different to others. You can therefore not compare costs as a like for like.

Once you’ve asked for a quote, you will be shown an amount that we could lend to you. This will give you a clear idea of what your motorbike loan would look like. After requesting a quote, you can speak to one of our Direct Sales Team if you want to change the agreement length or any details that were originally on your quote. You will be able to work together to find a loan that suits you and your budget best.

If you’re still unsure what motorbike to pick, that’s fine! Apply today and we can help guide you through the rest.

How much will motorcycle finance cost?

The cost of motorcycle finance will be different for everyone. Depending on your personal circumstances such as salary, residential status, and credit score, your eligibility for motorbike finance will be different to others. You can therefore not compare costs as a like for like.

Once you’ve asked for a quote, you will be shown an amount that we could lend to you. This will give you a clear idea of what your motorbike loan would look like. After requesting a quote, you can speak to one of our Direct Sales Team if you want to change the agreement length or any details that were originally on your quote. You will be able to work together to find a loan that suits you and your budget best.

If you’re still unsure what motorbike to pick, that’s fine! Apply today and we can help guide you through the rest.

No late fees

Missing a payment can be stressful enough so we don’t charge late fees.

Feefo logo

We pride ourselves on providing a service that our customers love.

Build your credit

Keeping up with your payments can help improve your credit score.

What our customers say about us

Motorcycle finance guides

Buying a motorbike

Make sure to consider these important factors before buying your new motorbike.

What motorbike should I buy?

With so many different types of motorbikes on the market it’s important to know which one would be right for you.

Riding a motorbike in the rain

We know It’s always raining in the UK, but make sure you know how to ride your motorbike safely when the sky starts to pour.

Soft Search vs Hard Search

When you apply for any type of finance, a soft and hard search can be done on your credit file at different points in the process. Make sure you know the difference before applying.

Why get motorbike finance with Moneybarn?

As the UK’s leading lender of specialist car, van and motorbike finance, we’ve been supporting thousands of people up and down the country with vehicle finance for many years. We’re motivated by our focus on achieving great customer results, and aim to make financing a motorcycle as simple and seamless as possible. 

Our hard work has earned us many major industry awards over the years. We were recently awarded ‘Non-Prime Lender of the Year’ at the Motor Finance Europe Awards 2020, as well as the ‘Feefo Platinum Award 2020’ and ‘Best Brand at the Lending Awards 2020’.

Why get Motorbike finance with Moneybarn?

As the UK’s leading lender of specialist car, van and motorbike finance, we’ve been supporting thousands of people up and down the country with vehicle finance for many years. We’re motivated by our focus on achieving great customer results, and aim to make financing a motorcycle as simple and seamless as possible. 

Our hard work has earned us many major industry awards over the years. We were recently awarded ‘Non-Prime Lender of the Year’ at the Motor Finance Europe Awards 2020, as well as the ‘Feefo Platinum Award 2020’ and ‘Best Brand at the Lending Awards 2020’.

We only use a soft search at application, which means it won’t affect your credit score. As a vehicle finance company who want to help all their customers onto a better road ahead, we accept applications when other lenders might not.

  • Specialise in poor credit
  • We accept IVAs
  • We accept CCJs

We understand the importance of having a reliable motorbike whether it’s getting to work, meeting up with friends or going on a ride you’ve been planning for a while. Our broad finance option should help you find the right motorbike for you.

  • Financing a motorbike from £2,500 - £15,000
  • Have a minimum engine size of 125cc
  • Have a total mileage of 30,000 or less at the start of the agreement
  • No older than 12 year at the end of the agreement

We only use a soft search at application, which means it won’t affect your credit score. As a vehicle finance company who want to help all their customers onto a better road ahead, we accept applications when other lenders might not.

  • Specialise in poor credit
  • We accept IVAs
  • We accept CCJs

We understand the importance of having a reliable motorbike whether it’s getting to work, meeting up with friends or going on a ride you’ve been planning for a while. Our broad finance option should help you find the right motorbike for you.

  • Financing a motorbike from £2,500 - £15,000
  • Have a minimum engine size of 125cc
  • Have a total mileage of 30,000 or less at the start of the agreement
  • No older than 12 year at the end of the agreement

How do I apply for motorbike finance?

You can apply for motorbike finance today by getting a quote. This will tell you how much we could lend to you based on your personal circumstances. If you are happy with the quote we provide, speak to one of our Direct Sales Team to discuss the next steps in getting you the motorcycle finance you need.

How do I apply for motorbike finance?

You can apply for motorbike finance today by getting a quote. This will tell you how much we could lend to you based on your personal circumstances. If you are happy with the quote we provide, speak to one of our Direct Sales Team to discuss the next steps in getting you the motorcycle finance you need.

Bad credit motorbike finance

No matter what your circumstances are, we believe that just because a person has bad credit, it doesn’t mean they should be denied access to a loan.

Be a part of the club. Look for your local motorbike club

Looking to join a motorbike club? We have mapped out all the motorbike clubs across the UK. Click the button below to find your local motorbike club

Get a decision without it impacting your credit score

We use a soft credit search which means you’ll get a decision, and it will have no affect on your credit score. The search will only show on your credit file if you take out an agreement with us