Electric Motorbike Finance

Try Our Award-Winning Electric Motorbike FinanceMotorbike Finance with First Response

Here at First Response Finance, we have been providing motorbike finance to customers since 2004, which makes us one of the longest standing and most experienced motorbike finance providers in the UK.

We pride ourselves on being different to other petrol and electric motorbike finance companies - our ultimate focus is on customer satisfaction through the service we provide. We ensure that we put our customers at the heart of everything we do, from the decisions we make to the continuous improvement of our services, maybe that is why we have been awarded the Feefo Platinum Trusted Service Award (2021).

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Hire Purchase Agreements With First Response Finance

When you purchase an electric motorbike through First Response Finance, the contract we provide is called a Hire Purchase (HP) agreement. Hire Purchase is one of the most common ways of financing an electric motorbike in the UK, and consists of spreading the costs with fixed monthly or weekly payments over an agreed period of time, and when the last payment has been made you legally own the vehicle.

We can finance electric motorbikes

The UK Government currently plans to ban, the sale of new petrol and diesel vehicles by the year 2030. This means, that after 2030, purchasing a traditional internal combustion engine powered motorcycle, will no longer be possible! According to figures released by the Motorcycle Industry Association (MCIA), sales and registrations of electric motorbikes have seen up to a 68% increase year on year (April 2020 - 2021), with many people making the switch due to increasing living and fuel costs. 

We will still offer finance on used petrol motorbikes after 2030, but there is no doubting that the electric vehicle future has already arrived! Here at First Response Finance, we financed our first electric motorbike 18 months ago, and with sales of new and used electric motorbikes increasing as the petrol ban gets closer, our systems and service is already prepared for any of our customers that wish to finance an electric motorbike with us.

Representative 29.9% APR

What are electric motorbikes?

Electric motorbikes are just like their petrol equivalents, with the biggest difference being in how they are powered. This means no more filling up at the petrol station, just plug into a charging port at one of the thousands around the country, or if possible at home.

Why are electric motorbikes becoming more popular?

As with any new technology, it matures as time progresses. The last few years has seen electric motorbike manufacturers, increase the range that electric motorbikes are capable of, whilst reducing the overall charge time. The rising cost of petrol and diesel, has also seen many people switch from their cars to two wheels for their commuting needs.

The benefits of electric motorbikes

The cost of charging an electric motorbike is considerably less than filling up with petrol, this also has huge benefits for the environment and the fight against climate change. As electric motorbikes have only one moving part, and do not have air filters, oil filters, sparkplugs, chains or timing belts, maintenance is also very minimal and very cost effective when compared to their petrol counterparts. If your interested in keeping your energy bills down, please take a look at our Energy Saving tips blog.

Electric and Petrol Motorbikes Available on Finance

Whether you are looking to purchase an electric powered Harley Davidson Livewire, Zero SR, electric Honda PCX or any other brand of electric motorbikes - we can finance a wide variety of petrol and electric motorbikes, from a vast range of motorbike manufacturers, including: Triumph, Yamaha, Kawasaki, AJS, and Harley Davidson.

If you have a question regarding financing newer electric motorbikes, just ask - we will always do our best to get you on the electric motorbike of your choice. 

For more information, check out our fixed and flexible electric motorbike finance criteria: 

Fixed Criteria

  • Aged 21+
  • UK resident
  • Driving licence - power output equivalent of a 125cc motorbike 

Flexible Criteria

  • No deposit required
  • 18 - 61 month terms*
  • £2,000 - £15,000 lend
  • CBT driving licenses considered

*The term length for the majority of motorbike finance agreements, with First Response Finance, are between 36 and 51 months.

Driving Licence Requirements

We are able to provide motorbike finance if you hold one of the following driving licences: CBT (Compulsory Basic Training) A1, A2, and Full A. However, these are restricted by our minimum finance application age of 21 years old.

It is important to understand the restrictions your driving licence may have regarding the speed, weight, and power of the motorbike you are looking to purchase through finance. To clarify which motorbike you are able to ride based on your driving licence (and finance with us), or to get a clear idea of how to get the driving licence you need, use the Driver and Vehicle Standards Agency’s motorbike requirements flowchart.

The Application Process

Getting approved for motorbike finance is quick and easy for most customers, which means that you could be driving your new motorbike off the dealership’s forecourt in no time!

All finance is subject to status meaning you may not follow all the stages shown below (depending on whether you get an instant approval finance offer or are declined motorbike finance).

1. Apply

Before applying, you can use our finance calculator to work out a rough repayment plan to suit your needs!

You can apply for motorbike finance using our online application form or by visiting a First Response Finance approved motorbike dealership.

2. ‘Automatically Accepted’ or ‘Referred’

If you are automatically accepted for motorbike finance, you will be able to finalise your application online.

If your finance application is referred, we will get in contact with you via email or SMS to arrange a time for one of our Underwriters to call you and discuss your application. The call itself will last around 15 minutes, and in this time, you will be asked a few questions; this is just so that we can get to know you and understand your financial situation better. During this call, we will also discuss vehicle options and repayment terms, so you have a better idea of the options available to you.

3. Signatures

Once you have chosen the motorbike that you would like to purchase, we will send over the documentation reflecting the proposed finance agreement. Make sure that you take the time to read and understand each part of the paperwork before signing it.

4. Payment

As soon as we receive a copy of the signed documentation, we will pay the dealership the agreed amount, and you can drive away on your new motorbike!

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Hire Purchase Pros and Cons


  • Simple to arrange
  • Fixed interest rate
  • No deposit required
  • No annual mileage restrictions
  • Flexible term lengths (18 - 61 months)
  • Fixed monthly (or weekly) repayments
  • Vehicle belongs to you after the final payment has been made
  • Customers are protected under the Consumer Rights Act (2015)


  • Finance is subject to status and not guaranteed 
  • You do not own the vehicle until the final payment has been made
  • The vehicle is at risk of repossession if you do not keep up with repayments
  • Not suitable if you plan on paying off your finance agreement within six months

First Response Finance is a responsible motorbike finance lender and all decisions are made in the best interests of the customer. We will never approve an application if we believe you may struggle with repayments.

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Data correct as of October 2021.