Motorbike Finance
Deals & Loans

Car Loans | CarFinance 247
Get my quote
No impact on your credit score
Rates from 9.9% APR. Representative APR 19.9%
Car Loans | CarFinance 247
Trustpilot logo
Trustpilot 4 Half Stars
4.6 out of 5

Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37.

We look to find the best rate from our panel of lenders and will offer you the best deal that you’re eligible for. We don’t charge a fee for our service, but we do earn a commission. This does not influence the interest rate you’re offered in any way.

Motorbike finance options

Looking for motorbike finance? Grab your leathers and get a quote today.

Whether you’re looking for a loan for a sporty 125cc motorbike or a hefty 1000cc hog, if you want to start enjoying life on two wheels, we can help!

At Carfinance 247, we’ll always look to find you the best finance deal from our panel of lenders. No matter if you want a bike to liven up your daily commute or to go full throttle on the weekend, we have loan options available for motorcycle riders with a wide range of different personal circumstances. And you could be riding away on your new bike within days!

125cc motorbikes

If you’re ready to buy your first motorbike or just like the look of something lightweight, a 125cc could be the right bike for you.

We can help you find finance for a range of 125cc motorcycles, ranging from an efficient Lexmoto or KTM Duke to a sleek Yamaha or Suzuki.

Bad credit motorbike finance

We may be able to help you find bad credit motorbike finance – even if you’ve been refused elsewhere!

Just like bikes, we know that credit scores come in all shapes and sizes. If you’ve ever been late on a payment, fallen into mortgage arrears, or had a County Court Judgement (CCJ), then you might have a low credit score.

But that doesn’t mean you have to give up on getting finance.

There’s no judgement here. We’ll work to find a bad credit motorbike deal that’s right for you, whatever your credit history. It’s not all about your credit score either; we take all your individual circumstances into account.

No deposit motorcycle finance

Ready to ride away on your new motorcycle but don’t have a deposit saved? We could still help. While having a lump sum to put down upfront could reduce the amount you need to borrow, we work with lenders who can offer no deposit motorbike finance, subject to approval.

Speak to your account manager about your finance options and whether you could qualify for a no deposit deal.

Using the finance calculator

You can use the finance calculator to find out how much your monthly repayments on a motorbike loan might be. Choose your credit band and enter the amount you’d like to borrow and how long you’d like to pay the loan back. You’ll then be able to see roughly how much you might have to pay on a hire purchase agreement each month.

 

Remember, it’s just an estimate so this figure might not be the exact amount you pay. We’ll always take your individual circumstances into account to provide a tailored, no obligation quote with no impact on your credit score.

What do I need to get finance on a motorbike?

To be eligible to get finance on a motorbike with CarFinance 247, you need to be over 18 years old and have more than three years’ address history in the UK.

You’ll also be asked to provide the following details and documents:

  • Personal details including your full name, marital status, date of birth, and address history
  • Employment details and history
  • Estimated amount you’d like to borrow
  • Email address and phone number
  • Driving licence
  • Proof of address
  • Proof of income

Why come to us for motorcycle finance?

For us, used motorbike finance is all about helping people improve their everyday lives.

Whether it’s getting a new motorbike for work, play or every day, we’ll work to get the best deal for you.

We work with a panel of lenders, so we can look to find finance for people with a variety of credit and employment circumstances.

Plus, you’ll have a dedicated account manager on hand to help you through the process.

What’s next? How to apply

It all starts with a quote. If you’re approved in principle, your account manager will give you a call to talk through your options. No strings attached. They can answer any questions you have and let you know if any restrictions apply. You’re then free to go out and find a bike from any reputable UK dealer – just let your account manager know when you’ve found ‘the one’.

Frequently asked questions

There is no reason why a motorcycle should be hard to finance. When you apply with CarFinance 247, we’ll make it easy to find the right finance deal for you and get you a decision in minutes. Thanks to our panel of lenders, we can help people with a range of circumstances find motorcycle finance including those with poor credit and self-employed workers. All you need to be eligible is to be over 18 years old, have at least three years address history in the UK, and a full UK motorbike licence.


You can choose to pay off your motorcycle loan early by requesting a settlement figure from your lender. Depending on the terms of your agreement, the quicker you can pay off your loan, the less interest you’ll pay, which could save you money overall. Your settlement figure is the amount of money it will cost to pay off your loan in full and will be typically valid for a set time frame after you request it.


When you take out a motorcycle loan it can have a positive or negative effect on your credit depending on the type of borrower you are. You may see a slight dip on your score when you first take out a new loan as it is a new large debt on your file but, if you keep up with your repayments this could help build your credit over time. However, if you miss any payments or regularly pay late, that may negatively impact your credit score. Find out more about how finance can affect your credit score in our complete guide.


When deciding how much to pay for a motorcycle, you should consider how you want to use the bike, how much power you need, and how much you can afford to pay each month. It’s worth doing your research online before visiting the dealership to find out the average price of different makes and models. It’s also important to check the bike for any damage, scratches, and scrapes that could decrease its value.


Your motorcycle finance agreement length will depend on the type of finance, the motorcycle you buy, and the amount you can afford to pay back each month. The maximum motorcycle loan term lengths available at CarFinance 247 are 48 or 60 months – 4 or 5 years. The shorter your loan term, the higher your monthly payments might be, but you will pay less interest and that could save you money in the long time. Find out more about affordability with our complete guide.


A good down payment for a motorcycle really depends on the amount you can afford to pay upfront, the total cost of the bike, and the amount you need to borrow. Typically, the more deposit you can put down, the less you’ll have borrow and the lower your monthly repayments will be and a deposit of at least 10% is common. However, if you don’t have any money saved, you may be able to secure a no deposit loan.


At CarFinance 247, you must have a full UK or EU motorcycle licence to be able to secure a loan from one of the lenders on our panel.


When you apply for a motorcycle loan with CarFinance 247, you’ll get a decision in minutes. Complete your application, pop the kettle on and you’ll find out whether you’re approved before you’ve finished your tea! If you’re approved, your dedicated account manager will give you a call. We can then move as quickly or slowly as you like – you could be riding away within days!


Ready to start?

Applying with us only takes a couple of minutes and won't affect your credit score

Get in touch

Contact us

* The UK's largest online car finance broker by unique users to the website. Based on Similar Web data – 851,826 to CarFinance 247 vs. 730,311 for nearest competitor. January to June 2022.

CarFinance 247 is a trading name of CarFinance 247 Limited. Registered office: Universal Square, Devonshire Street North, Manchester, M12 6JH. Registered in England. (Registration Number 06035525).

CarFinance 247 is authorised and regulated by the Financial Conduct Authority for insurance distribution and credit broking (Firm Reference Number: 653019). CarFinance 247 is registered with the ICO (Registration Number Z1897658).

Finance is subject to status and is only available to UK residents aged 18 and over. Written quotations are available on request.

This site uses cookies so that we can provide you with the best user experience. By continuing to use the site you are consenting for cookies to be used. Further information on cookies and how you can disable them is available on our cookie policy.