Use our motorbike finance calculator to get an idea of how much a motorcycle finance agreement with us costs.
Representative 30.9% APR
Select the option that best describes your credit rating.
There are no additional fees
Representative
28.9% APR
Our motorbike finance calculator is for Hire Purchase only. It's not for personal loans or Personal Contract Purchase (PCP). We don't offer PCP. Instead, we can provide Hire Purchase loans of £2,000 to £15,000.
Here's a guide to how it works:
Just so you know... we may not always require a deposit, depending on your credit limit and the cost of the motorbike.
Our tool is quick and easy to use:
Just so you know... our motorcycle finance calculator is for illustration purposed only. The numbers you see are to give you an idea of how much your loan might cost overall. The figures may change once you get a personalised quote.
And our tool should always be used honestly. So, if you don't have the best credit, you should select "average" or "poor" to get a truer reflection of how your loan might cost. The APR you see is a representative of those factors (loan amount, length of term, and your credit rating).
You've had frequent address changes and may not be on the electoral roll at your current address.
You've had a patchy employment history, possibly with periods of unemployment.
You have a high level of indebtedness and make frequent applications for credit.
You have defaults or County Court Judgements (CCJs) and have made late payments.
You've been a resident at your address (whether owned or rented) for at least three years and are on the electoral roll at that address.
You have a stable employment history and you're in current full-time employment, or have been self-employed for a long period.
You have a history of credit (mortgages, credit cards, loans etc.) with very few missed payments.
You've made infrequent credit applications and have no defaults or CCJs.
You've been a resident at your address (whether owned or rented) for at least three years and are on the electoral roll at that address.
You've been with the same employer (or self-employed) for at least three years.
You have a long history of credit (mortgages, credit cards, loans, etc.) with no missed payments.
You've made infrequent credit applications and have no defaults or CCJs.
We know this is an important question for a lot of our customers. Michelle, Head of Portfolio at First Response Finance, is here to offer reassurance:
"Using our motorbike finance calculator will have no impact on your credit score. It's there to offer you an idea of how much your agreement will cost, and there's no credit check involved at this point. If you reach the stage where you're applying for finance, we'll run a hard check that will show up on your credit file. But it's also worth knowing that keeping up with your repayments can help you improve your credit score."
Our motorcycle finance calculator is free, quick and easy to use. And there are plenty of other reasons to choose us when it comes to finding and paying for your next bike:
Get a personalised quote that's tailored to your budget and see how affordable a motorbike could be!
This page was last reviewed in March 2025.
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.
