Motorbike finance

Apply for motorbike finance from the UK's number one motor finance provider, as voted for by consumers on Review Centre!

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Representative 29.9% APR

Motorbike finance

Average Customer Rating

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Independent Service Rating Based on 2,877 verified reviews. 
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Buying a motorcycle on finance

Buying a motorcycle on finance

For many, the upfront cost of buying a motorcycle outright can be quite daunting (and unaffordable), but what other options are there? Hire Purchase motorbike finance - offering an accessible and manageable way to buy a motorcycle without breaking the bank.

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Common misconceptions about motorbike finance

You might think...

  • you're limited on what motorcycle you can choose. But, we can provide finance on a variety of makes and models;
  • the approval process is complicated. In reality, all you need to do is fill out our simple online application form;
  • your credit score will be negatively impacted. The truth is, taking out credit can have a positive impact as long as you keep up with your repayments.
Customer journey: how we helped Adrian buy his motorbike

The application process

Our motorbike finance application process is as simple as one, two, three!

Complete an online application form and get a decision on your approval within minutes.

If you're automatically accepted for motorcycle finance, you'll be able to finalise your application online.

If your finance application is referred, we'll 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.

Electric motorbike finance

Interested in buying an electric motorbike? Join the club! Electric motorbikes are becoming increasingly popular, already making up 17.5% of the global motorcycle market.

Start your application now!

Getting approved for motorbike finance is quick and easy - apply, sign, and ride away.

No upfront cost

When buying a motorbike through Hire Purchase, a deposit isn’t always needed (depending on a customer's credit limit and the cost of the vehicle). This means saving can be held onto or put towards other expenses, i.e. tax and insurance.

Stress-free budgeting

With fixed monthly (or weekly) repayments, customers can budget their income easily because they know exactly how much they owe each month – and there’s no balloon payment due at the end of their agreement, so that's one less thing to budget for.

Variety of choice

Motorcycle finance opens the door to a wide range of vehicles that might have otherwise been out of reach. Whether a customer is looking at a sturdy scooter or a classic cruiser, our motorbike finance options can be adapted to suit their budget and preferences.

Why choose First Response Finance?

Why choose First Response Finance?

When it comes to motorcycle finance, there's no one-size-fits-all answer. Your financial situation, riding habits, and future plans play a crucial role in determining the best fit. Here at First Response Finance, we aim to have a conversation with our customers, so we can get to know you and tailor our motorbike finance product to fit your needs.

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Hire Purchase pros and cons

Unsure if a Hire Purchase agreement would be suitable for you? Check out some of the pros and cons!

  • Fixed interest rate
  • Simple to arrange
  • No deposit required
  • Flexible terms (18 - 61 months)
  • No annual mileage restrictions
  • Fixed monthly (or weekly) repayments
  • You own the motorbike once the final payment's been made
  • Customers are protected under the Consumer Rights Act (2015)
  • Finance is subject to status
  • You don't own the motorbike until the final payment's been made
  • The motorbike's at risk of repossession if you don't keep up with repayments
  • Not suitable if you plan on paying off your finance agreement within six months

Motorcycles available on finance

Whether you're looking to buy a scooter or classic motorbike, we can provide finance on a variety of brands such as Honda, Yamaha, and Kawasaki. For more information, check out our fixed and flexible motorbike finance criteria:

Fixed Criteria

  • Aged 21+
  • UK resident
  • Motorbike must be road legal
  • Driving licence capacity of 125cc motorbike

Flexible Criteria

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

Whilst our criteria helps us to lend responsibly, we're flexible on things such as the age of the motorbike and the term of the agreement. For example, you can choose to pay your motorbike finance loan over a long period of time, i.e. 48 months, or make larger instalments and pay your finance agreement off in as little as 18 months.

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125cc motorbike finance

If you want to buy a 125cc motorbike, i.e. a moped, using affordable monthly payments, we can help!

Electric motorbike finance

Getting approved for electric motorbike finance is quick and easy with our simple online application form.

Bad credit motorbike finance

We can provide poor credit motorbike loans to people with a thin credit file or bad credit history, and that have been declined by other lenders.

Motorbike finance FAQs

First Response Finance is a responsible vehicle finance lender, and all decisions are made in the best interests of the customer; based on credit scores, status, and income at the time of application. We'll never approve an application if we believe you might struggle with repayments.

Get independent advice on money, finance products, debt management and budgeting through Citizens Advice and MoneyHelper.