Motorcycle Finance

Work out how much you can afford every month

BadUnstable address history, unconfirmed by electoral roll. Recent employment or self-employment and periods of unemployment. Over credit card limit and late on mortgage, loan repayments. Recent or current late payments, defaults or repossession registered. Recent County Court Judgements, Bankruptcy or similar. No bank account. PoorFrequent changes of address with patchy electoral roll record. Recent changes in employment or self-employment. Recent (and frequent) credit applications. High level of debt to estimated income. Recent late payments/credit cards over limits. Old defaults or County Court Judgements. AverageFrequent changes of address with patchy electoral roll record. Recent changes in employment or self-employment. More frequent credit applications. High level of debt to estimated income. Occasional late payments or credit cards over limits. Old defaults or County Court Judgements, especially of small value. GoodResident at address for a long period with electoral roll record. Home owner or long term tenant. With same employer or self-employed for a long period. Long credit history with mortgage, loans and credit cards. Infrequent credit applications. Credit with few missed payments, defaults or County Court Judgements. ExcellentResident at address for a long period with electoral roll record. Home owner or long term tenant. With same employer or self-employed for a long period. Long credit history with mortgage, loans and credit cards. Infrequent credit application. Credit with no missed payments, defaults or County Court Judgements.
8000
60
8.0 6.8 5.9 5.2 4.9

Finance calculator summary

  • Credit Rating:

    excellent
  • Borrowing:

    £8,000
  • Payment Period in months:

    60
  • Cost Per Month:

    £154

Apply now for your personalised, no-obligation quote

Motorcycle finance

Every day we help customers find the kind of loan agreement that suits their pocket so they can ride the make and model of motorcycle they really want to. If you've got your heart set on buying a new or used motorcycle and want to spread the repayments over a period that fits in with your personal financial planning, the team at Direct Bikes is ready to be of service.

As the leading motorcycle finance comparison site in the country, we can access an extensive network of lenders in the UK to quickly search across the market for the best deals at the most competitive terms. With our help, you don't have to spend hours trying to find the best deal and applying each time to different lenders. Simply complete one application form and we'll take it from there. Completing the online form only takes a few minutes and you'll hear back without delay. All being well, you could be riding your new motorcycle sooner than you believed possible!

Is motorcycle finance right for you?

For some, paying cash for their new motorcycle and owning it outright may be the preferred option, but for many others, being able to arrange a loan with fixed monthly repayments is more manageable. It means you won't be able to sell the motorcycle while still paying it off although you can settle the loan amount at any time. If you think motorcycle finance is for you, first work out how much you can realistically afford to pay each month. Remember to allow for additional costs, such as annual insurance, road tax, and general maintenance and running costs. When you apply for motorcycle finance it's important to provide accurate and up-to-date information as this may affect the terms of the loan you are offered, including the rate (APR) you are charged.

How it works

We've made it quick and easy to apply for motorcycle finance online. You'll have to provide some details about yourself, such as how long you've lived at your present address and your employment status, as well as how much you want to borrow and over what period, up to 60 months. Please take time to answer all the questions correctly to ensure that any loan product you are offered is the right one for you and is tailored to match your circumstances, including your ability to repay the loan. If you need help with your application or prefer to do it by phone, please request a call back from one of our UK-based Direct Bikes' team.

Quick decision

You can expect to get an answer on your application within the hour and receive a free, no-obligation quote for motorcycle finance. Once you've read through the terms and conditions and are happy to proceed, we'll make all the final arrangements. Typically, everything can be completed in a couple of days although if you're asked to provide some extra documentation, it will depend how quickly you can get these to us. In most instances, you should still be able to go ahead and order your new motorcycle from any dealer in the UK within the week.

Your credit rating and the amount you can borrow

You decide how much you want to borrow, up to £50,000. This can be based on the price of the motorcycle you want to buy or you can use our finance calculator to get a quick estimate by simply entering the sum you want to borrow and the period of the loan. You'll also be asked to give yourself a personal credit score, from bad through to excellent. The amount you will have to pay for your loan may change depending on which profile you select. It's important to be completely honest about your credit history, but you should not be deterred from applying for motorcycle finance even if you've been refused a loan in the past, as we'll explain later.

The benefits of motorcycle finance

There are a number of advantages to arranging motorcycle finance with a personalised loan:

  • You can afford to buy the motorcycle you really want instead of having to compromise with a cheaper model
  • You can choose a repayment plan that is adapted to suit your budget and over a period that is manageable
  • You can order your motorcycle from your local dealer
  • By meeting all your repayments you can improve your credit score going forward

Bad credit history? You can still apply today

Yes, it's true. We know that not everyone is able to say they have an excellent credit rating. Perhaps you have missed an instalment on your mortgage in the past, been late with credit card bills, had a County Court Judgement against your name, or changed address several times in recent years. Any of the above can affect your credit score but we work with a range of finance providers who consider all applications and do all they can to say ‘yes'. So even if you've been refused a loan elsewhere or been turned down in the recent past, you can still apply for motorcycle finance today. You may be charged more for your loan but all the terms and conditions will be clearly laid out. Please make sure you understand these before you decide to go ahead.

Our services

As independent financial brokers, we specialise in motorcycle finance and our expertise is in sourcing the best loans from across the UK market. Applying for a personalised loan offer is free and you are under no obligation to proceed at any stage. We don't favour one particular lender over another and we don't charge you a fee for our services. Any commission we do make comes from the provider.

Need some help?

As motorcycle fans, we look forward to helping you find a great loan so you can buy the new set of wheels you want to ride. Please don't hesitate to get in touch if you need assistance completing your application or any more information about our services.

Representative example: Excellent credit

Borrowing £7,500 over 48 months with a representative APR of %, an annual interest rate of % and a deposit of £0.00, the amount payable would be: £ a month, with a total cost of credit of £ and total amount payable of £.