APR stands for ‘annual percentage rate’. It is the total cost you pay to borrow money for a given year.

Our motorbike financing calculator is for illustrative purposes. Your personal APR will depend on several factors, such as your credit file and whether you’ve missed any payments in the past.

When you get a quote, if you’re approved we’ll show you a personal APR and how much you could borrow.

Read our handy guide if you want to learn more about what APR means.

A deposit is the amount of money you pay up front when you start a motorbike finance agreement. Whether you could get no deposit finance on a motorbike depends on your circumstances. Some of our agreements may require a £400 deposit based on individual factors like your credit history.

When you get a quote, we’ll ask for the following information:

• Personal information: this includes your name, date of birth, and marital status
• Employment: your employment status, employer, and job title. We will never contact your employer
• Income: your net monthly income (what you make each month after tax) helps us understand your affordability
• Address history: your current address and 3 years of UK address history
• Contact details: your mobile number and email address so we can get in touch with you if you’re approved.

If you’re approved in principle, it’s because we need a few more details to support your application. If that’s the case, a member of our team will guide you through that process.

Getting a quote with us only takes 5 minutes. We’ll just need to know a little bit about you, your address and your job. This will not affect your credit score, as we use a soft credit search to give you an initial decision.

We only use a hard search when contracts are drawn up for you to sign.

When you get a quote, it takes less than 5 minutes to get an immediate decision. This will give you one of three outcomes:

1. You’re approved which means you’ll be shown what your agreement could look like. A member of our team will help you find a motorbike that’s suitable for you and fits our lending criteria
2. You’re approved in principle which means we need some more information to confirm your application. Our expert team will guide you through the process
3. You’re declined, in which case you might be wondering why. Check out our guide that explains the most common reasons for being refused finance.

We can finance motorbikes which fit within our lending criteria:

• Priced between £3,600 and £15,000
• Minimum engine size of 125cc
• Up to 30,000 miles on the clock
• The motorbike must not be older than 25 years old at the end of the agreement

We don’t finance motorbikes that aren’t road legal. This means we don’t finance mopeds (motorbikes under 50cc), dirt bikes, or motocross bikes.

If you’re not sure whether your chosen bike meets our criteria, then a member of our team would be happy to help. Get a quote and see if we could help you onto a better road ahead.

When you get a quote, we only use a soft search which does not impact your credit rating. We only use a hard search if you choose to get finance with us, once contracts are drawn up for you to sign.

You may see an impact on your credit score once you have begun a motorbike finance agreement. This is because motorbike finance is a line of credit, which means you are borrowing money from a lender with the promise to pay it back with interest. This will be added to your credit file, which is why you may see your score change slightly at the start of a new agreement.

If you make repayments in full and on time, you may see your credit score begin to grow over time. However, this isn’t guaranteed, and you will also need to be paying your other debts on time.

Yes, we could help you finance a new bike if you’re self-employed. For more information, read our guide to getting motorbike finance when self-employed.