125cc motorbike finance

125cc motorbikes are known for their fuel-efficiency, but they're also popular for being one of the smallest two-wheeled vehicles available on the market, allowing riders to filter through slow-moving traffic with ease.

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Representative 29.9% APR

125cc motorbike finance

Average Customer Rating

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Independent Service Rating Based on 2,610 verified reviews. 
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The application process

Our 125cc 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 125cc 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.

Motorbike finance calculator

Use our motorbike finance calculator to get an idea of how much a motorcycle finance agreement with us costs, with no commitment to apply.

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Getting approved for 125cc motorbike finance is quick and easy.

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

125cc motorbikes available on finance

We can provide finance on a variety of 125cc motorcycles from brands such as KTM, Yamaha, and Lexmoto. For more information, check out our fixed and flexible 125cc 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 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.