This page was last reviewed in March 2025.
Information includes references to:
MotorCycles Data - Global Electric Motorcycles Industry...
Motorcycle finance
- Hire purchase bike loans of £2,000 - £15,000
- Repayment terms of 18-61 months
- Award-winning bike finance in the UK
- Recommended by 98% of customers
Representative 30.9% APR
Average Customer Rating
4.9/5
Independent Service Rating Based on 2,407 verified reviews.
Buying a motorcycle on finance made simple
You might feel that the upfront cost of buying a motorcycle is off-putting. Or it may simply be unaffordable for you to purchase outright. But there are other options for you - and that's where First Response Finance can help. We can provide Hire Purchase motorcycle finance, an accessible and manageable way to buy a bike without it costing you a fortune.
And we're a motorcycle lender you can trust. We've been voted the UK's No.1 motor finance provider by consumers on Review Centre, and you can read our thousands of positive testimonials on Feefo.
What is Hire Purchase bike finance and how does it work?
Here's a simple guide to how your motorcycle loan will work:
- You pay a deposit on your bike and borrow the rest of the funds from us.
- You make fixed monthly or weekly repayments over an agreed period.
- Interest is charged on these instalments. This means you end up paying back more than you borrowed.
- Once your motorcycle finance is paid off, you legally own the bike.
Just so you know... we don't always ask for a deposit. It will depend on your credit limit and the cost of your bike.
We've partnered with Experian
We use Experian, one of the UK's top credit reference agencies, to run our credit checks. This helps us to understand your credit history, which is one of several factors we take into consideration when making a decision on your approval for vehicle finance.
How much does it cost to finance a motorcycle?
How much does it cost to finance a motorcycle?
An important question. Jonathan, our Head of Sales and Marketing, offers his expert insight:
"The cost of your motorbike finance depends on several key factors, including the loan amount, term length and your credit profile. Interest rates can vary, but we focus on offering responsible and transparent lending. Our priority is ensuring you can comfortably afford your repayments, with no hidden surprises."
Common misconceptions about motorbike finance
The myth
- You're limited on what motorcycle you can choose.
- The approval process is complicated.
- Your credit score will be negatively impacted.
- You can't get finance if you've got bad credit.
The reality
- We can provide finance on a variety of makes and models.
- All you need to do is fill out our simple online application form.
- Taking out credit can have a positive impact as long as you keep up with your repayments.
- We'll always try our best to help you, but we won't provide finance if we think it'll put you in more financial difficulty.
How to apply for motorcycle finance
Our process is as simple as one, two, three!
Fill out our online quote form to get an instant decision on your eligibility and see how much your monthly repayments would be.
Our eligibility criteria for bike finance
See our fixed and flexible criteria to find out if our motorbike finance could suit you:
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
- Age of the bike
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.
Electric motorbike finance
Electric motorbike finance
Interested in owning an electric motorbike? Join the club! Electric motorbikes already make up 17.5% of the global motorcycle market*.
Get a quote for motorcycle financing today
Explore your options with a quick, free quote - tailored to your budget.
We're FCA authorised
We’re authorised and regulated by the Financial Conduct Authority (FCA).
We're committed to treating customers fairly and giving clear, honest information so you can trust us to put your best interests first every step of the way!
No upfront cost
When financing a motorbike with us, we won't always ask you for a deposit, depending on your credit limit and the cost of the bike.This means you can make a saving and perhaps put that money towards other expenses such as tax and insurance.
Stress-free budgeting
With fixed repayments, you can track your finances more easily because you know exactly how much you owe each month. And there's no balloon payment due at the end of the bike loan, so that's one less thing to budget for.
Variety of choice
Motorcycle finance opens the door to a wide range of bikes that might otherwise have been unaffordable. Whether you're after a sturdy scooter or a classic cruiser, we can adapt to suit your budget and preferences.
Why choose First Response Finance for bike finance in the UK?
We've been providing auto financing for more than 20 years, so you can count on our wealth of knowledge and experience. And here are a few other reasons to choose us as your motorcycle loan lender:
- We've helped more than 200,000 people secure finance
- 98% of customers would recommend us to friends or family
- We're the UK's No.1 motor finance lender, as voted on Review Centre
- Winners of Feefo's Platinum Trusted Service Award five out of the last six years.
How we've helped others secure their vehicle finance
Hire Purchase pros and cons
Unsure if a Hire Purchase agreement would be suitable for you? It's important to weight up all the positives and negatives before you decide.
- 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
- Due to interest, you end up repaying more than you borrowed
We're here to help you understand motorbike finance
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125cc motorbike finance
A 125cc motorbike is a great choice for beginners, commuters, and anyone looking for a light, easy-to-handle ride.
Electric motorbike finance
With us, electric motorbike finance is simple, flexible, and tailored to you. Ready to ride electric?
Bad credit motorbike finance
Think you're out of options because you have bad credit? Think again! We'll always try our best to help you.
We're SAF Approved
We're SAF Approved by the Finance & Leasing Association (FLA), which means that all of our customer-facing employees have passed the Specialist Automotive Finance (SAF) Expert test. This ensures our team members have all the relevant knowledge to advise you on available finance products and help find the right one for you!
Motorbike finance FAQs
Apply for motorcycle finance today
We're a trusted provider and you can get a quick, free quote to get you started.
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.