Motorbike loan Apply online in minutes

What lenders consider for a motorbike loan

• Affordability – income, outgoings and stability.
• Budget fit – a monthly payment you’re comfortable with.
• Vehicle – age, mileage and condition.

How a motorbike loan works

1. 1
   Apply online – complete a quick form; this won’t impact your credit score at this stage.
2. 2
   We compare lenders – our advisers look across a selection of lenders for options that may suit your circumstances.
3. 3
   Pick your bike – choose from 2,500+ options; add protection if you want it.
4. 4
   Ride away or get it delivered – if you proceed, the chosen lender may run a hard search and we’ll finalise paperwork digitally.

Important: Credit is subject to lender checks and affordability. Not everyone will be eligible for a credit product.

What you’ll need to apply for a motorbike loan

• Full name, email and mobile
  So we can keep you updated about your application.
• UK address history
  Usually the last 3 years.
• Employment status & monthly income
  Employed, self-employed or other.
• Monthly outgoings
  Rent/mortgage, credit commitments, utilities, etc.
• Licence type & preferred bike
  CBT / A2 / Full and the kind of motorbike you’d like.
• Optional: deposit amount
  Some lenders may offer £0 deposit depending on your circumstances.

Popular motorbike loan types

• Hire Purchase (HP) – fixed monthly payments over an agreed term. You own the bike after the last payment (and any option-to-purchase fee).
• Personal Contract Purchase (PCP) – lower monthly payments with a larger optional final payment. At the end you can keep the bike by paying the final amount, part-exchange, or return (mileage/condition rules apply).
• Personal loan – an unsecured loan you can use to buy the bike outright. Terms depend on the loan provider.

We don’t provide advice; we’ll show options based on your circumstances so you can choose what suits you.

Motorbike loan FAQs