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Motorbike Finance
Get on two wheels with affordable motorbike finance. Competitive rates on new and used motorcycles with flexible terms for all credit types.
With no impact to your credit score*
Calculate Your Finance
Estimated monthly payments
With no impact to your credit score*
We act as a credit broker, not a lender
Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. This is an example only, lender fees may apply. The exact rate you will be offered will depend on your circumstances. All finance subject to status.
*After completing the application, lenders will perform a “soft search” that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a “hard search” of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document
Why Finance a Motorbike?
Motorbikes are more than just transport. Whether you are commuting through city traffic, touring the highlands, carving through country lanes, or heading to the track, a motorbike offers a riding experience that no car can match. But with new bikes costing anywhere from a couple of thousand to over thirty thousand pounds, paying cash is not always an option.
Motorbike finance lets you spread the cost into affordable monthly payments, so you can ride the bike you really want rather than settling for whatever you can afford outright. At Happy Motor Finance, we search our panel of lenders to find you the most competitive rate available for your circumstances.
Motorbike Finance Options
Hire Purchase (HP)
HP is the most straightforward option. You pay a fixed monthly amount over an agreed term, and the motorbike is yours once the final payment is made. There are no mileage restrictions, so you can ride as much as you like. HP is the most popular choice for motorbike finance.
Personal Contract Purchase (PCP)
PCP offers lower monthly payments by deferring part of the cost to a balloon payment at the end. You can then choose to pay the balloon and own the bike, hand it back, or put any equity towards your next motorcycle. PCP is popular with riders who like to upgrade every few years.
Popular Motorbikes We Finance
Our customers finance all types of motorcycles from every major manufacturer. Some of the most popular choices include:
- Commuters and learner bikes - Honda CB125R, Yamaha MT-125, KTM Duke 125, and Lexmoto machines.
- Naked and street bikes - Yamaha MT-07 and MT-09, Kawasaki Z650 and Z900, Triumph Street Triple.
- Sports bikes - Yamaha R1 and R6, Honda CBR600RR and Fireblade, Kawasaki ZX-6R and ZX-10R.
- Adventure bikes - BMW R1250GS, Triumph Tiger, Honda Africa Twin, KTM Adventure.
- Cruisers and touring - Harley-Davidson, Indian, Honda Gold Wing, BMW K1600.
- Scooters - Honda PCX, Yamaha XMAX, Piaggio Beverly, Vespa GTS.
Whatever motorbike you have set your heart on, if it is available from a reputable dealer, we can help you finance it.
How It Works
Getting car finance doesn't have to be complicated. Here's how our simple process works.
Apply Online
Complete our quick and easy application form in just a few minutes. It won't affect your credit score.
Get Matched
We'll search our panel of lenders to find the best deal for your circumstances.
Choose Your Car
Once approved, choose any car from any reputable dealer. Our Personal Shopper service can help.
Sign & Drive
Sign your finance agreement and drive away in your new car. It really is that simple!
With no impact to your credit score*
We act as a credit broker, not a lender
Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. This is an example only, lender fees may apply. The exact rate you will be offered will depend on your circumstances. All finance subject to status.
*After completing the application, lenders will perform a “soft search” that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a “hard search” of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document
Frequently Asked Questions
Ready to Finance Your Motorbike?
Apply for motorbike finance today. Our quick application takes just minutes and won't affect your credit score.
With no impact to your credit score*
We act as a credit broker, not a lender
Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. This is an example only, lender fees may apply. The exact rate you will be offered will depend on your circumstances. All finance subject to status.
*After completing the application, lenders will perform a “soft search” that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a “hard search” of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document
