We can help you finance a range of motorbikes as long as they meet our lending criteria.

If you already know which bike you want to finance, once you’ve made sure it meets our criteria, get a quote and see if we can help you.

If you aren’t sure yet, don’t worry! Our friendly experts can help you search for the right bike for your needs. Or, take a look at our guide on how to choose the right type of motorbike.

Everyone’s eligibility for motorbike finance varies based on multiple factors, such as credit history and affordability. Therefore, it’s not possible to say whether it will be easy or difficult for you to get motorcycle finance.

If you’re ready to get a quote, you can do so in less than 5 minutes with a soft credit check. This does not affect your credit score, but will give you an instant decision as to whether we can help you finance your next bike.

We only use a hard credit check when you’ve found your dream bike, and contracts are drawn up for you to sign.

It may be possible to insure a motorcycle in the UK even if you don’t have a licence, but getting finance without the appropriate licence is usually not possible. The type of motorbike licence required varies depending on the lender, their criteria, and the bike you want to buy.

You can read more about the different types of bike licences on the GOV.UK website.

If you’d like to finance a motorbike with Moneybarn, you’ll need a valid A1, A2 or A UK motorbike licence or CBT certificate. If you have passed your Compulsory Basic Training (CBT) or have the right licence, we could help.

When you’re ready, get a quote in less than 5 minutes and receive an instant decision.

Our motorbike finance options range from 36 to 60 months (3 to 5 years), so you can choose the agreement term that suits you best. Our friendly experts are ready to help you find an agreement that suits your needs.

If you prefer to spread out the cost over a longer time period, you can choose a longer agreement term. This will reduce your monthly payments, but keep in mind that it will also increase the overall cost of the finance. This is because there will be more interest over a longer term, compared to a shorter term.

To get an idea of what your payments might look like, try using our motorbike finance calculator. Once you’re ready, you can get a quote in less than 5 minutes. We’ll give you a personalised APR, show you how much you can borrow, and outline your monthly payments.

Fully paying off your motorcycle finance early is called an early settlement, which can save you money in the long run by reducing the interest you pay.

If you want to pay your bike finance off early, you should discuss this with your lender because there may be extra fees to pay.

Depending on the lender and type of finance you have, it may be possible to make larger payments to repay part or all of your loan. Read more in our guide that explains how you can make additional payments on finance.

It is possible to be approved for motorbike finance without making a deposit, but this depends on your credit history and affordability.

While not putting a deposit down can make it more affordable at the beginning, it can end up costing more in the long run. This is because borrowing more money means paying more interest over a longer period of time.

If you aren’t sure whether a no-deposit agreement is right for you, our friendly experts are ready to help. You can get a quote in less than 5 minutes and find out what you could borrow.

When it comes to borrowing money to buy your new bike, we want to make the process quick and easy for you. Getting a quote online should take less than 5 minutes.

You’ll receive an immediate decision as to whether we can help you. We only use a soft credit check at the point of application, which will not affect your credit score.

If you’re approved, one of our friendly experts will be in touch to guide you through our application process. If you already have a bike in mind, that’s great! Just make sure it meets our lending criteria, and if possible, prepare the necessary documents for applying for finance to avoid any delays.

If you don’t have a particular bike in mind, don’t worry. A member of our team can help you search for your dream bike from our list of approved dealerships. We can then provide you with quotes for that bike. Once you’ve found the bike you want and an appropriate finance agreement, we’ll prepare the contracts for you to sign. Only at this point will a hard credit check be made.

You can also read more about getting motorbike finance when self-employed.

No, it isn’t possible to finance a motorbike for a partner or family member. This is known as ‘fronting’ which is illegal. You can read more about why you can’t apply for finance for someone else in our guide.

Each application for motorbike finance is unique, as everyone’s circumstances are different. If you were to apply for someone else, your application would be misleading, as the lender would not be able to verify whether the finance is affordable for that person.

If you’re looking to apply with someone else, have you considered a joint finance application? This is where you apply with someone who lives with you.