With Zuto’s motorbike finance options, you can spread the cost into affordable monthly payments tailored to your budget. If it's your first bike, a faster model, or something for your business, Zuto has you covered.
Zuto is a credit broker, not a lender. Our rates start from 10.9% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £8,000 over 60 months with a representative APR of 19.7% the amount payable would be £204 a month, with a total cost of credit of £4,219 and a total amount payable of £12,219.
Motorbike finance is a flexible way to purchase a motorcycle without needing to pay the full cost upfront. Instead, you agree to a finance plan that breaks the cost, plus interest, into manageable instalments over an agreed term. This financing option is popular with individuals looking to own a new or used motorbike for leisure, commuting, or touring.
The benefits of motorbike finance include:
There’s no one-size-fits-all solution when it comes to motorbikes on finance, and that’s why Zuto offers a range of flexible finance options to suit different needs. Here are the main types of motorbike finance options available:
Hire Purchase allows you to spread the cost of a motorbike over fixed monthly payments. You will pay an upfront deposit and then make monthly payments over an agreed term. Once you’ve completed all payments, the motorbike is yours to keep. HP agreements are simple, making them one of the most popular options for motorbike financing. However, the deposit and monthly payments tend to be higher than Personal Contract Purchase agreements as you are paying off the full value of the motorbike.
Learn more about HP car finance
PCP offers lower monthly payments by focusing on the motorbike’s depreciation rather than its full value. At the end of the agreement, you can return the motorbike, trade it in for a new one, or make a final balloon payment to take ownership.
Learn more about PCP car finance
Don’t have savings to put down? No problem. With no deposit motorbike finance, you can finance the full cost of your motorbike without paying anything upfront, spreading the entire amount over your monthly instalments.
Learn more about no deposit car finance
While both options involve borrowing money to fund your purchase, there are some key differences:
| Finance features: | Hire purchase (HP) | Personal contract purchase (PCP) | Personal loan | |
|---|---|---|---|---|
| Requires initial deposit | Optional | Optional | ||
| Car is yours at the end of the agreement | Optional | |||
| Fixed monthly payments | ||||
| Avoid (final) balloon payment | ||||
| Avoid excess mileage charge | ||||
| Secured against an asset (e.g. a car) | ||||
| Support with vehicle issues | ||||
Motorbike finance deals often provide more tailored repayment options and flexibility when it comes to vehicle issues compared to a traditional personal loan.
Curious about how much you could borrow or what your monthly payments might look like? Use our motorbike finance calculator to get an instant estimate. Simply input your details to see your potential monthly payments.
Worried that a poor credit score might stop you from getting the motorbike you’ve been dreaming of? At Zuto, we believe that everyone deserves the chance to hit the road, regardless of their financial history. That’s why we specialise in bad credit motorbike finance, helping people with a wide range of credit scores secure the best possible deal.
Here’s how we can help:
Zuto makes it possible to finance a motorbike even if you’ve faced credit challenges in the past. Don’t let bad credit hold you back. Start your journey today with a quick and simple application.
At Zuto, we make buying a motorbike on finance easy:
Ride away: Once you’re happy with the terms, we’ll finalise the paperwork and set up the payment plan with the dealer.
Here’s why riders across the UK trust Zuto for their motorbike finance:
Don’t let financing hold you back from your dream ride. Get a quote today with no impact on your credit score.
You can finance a wide variety of motorbikes through Zuto, including:
Whether you’re eyeing a brand-new motorbike or a reliable used one, we’ll help you find the right finance deal for your chosen ride.
Yes! At Zuto, we specialise in helping customers with bad credit motorbike finance. Our network of lenders includes options for people with a poor credit history. While interest rates and terms may vary depending on your credit score, our team will work to secure the best deal for your circumstances.
The amount you can borrow depends on several factors, including:
Use our motorbike finance calculator to estimate how much you may be eligible to borrow and what your monthly payments might look like.
With a Hire Purchase (HP) agreement you make monthly payments toward owning the motorbike. Once you complete the agreement, the bike is yours outright. These payments are often higher to cover the full cost of the motorbike.
Personal Contract Purchase (PCP) agreements are similar to HP, but with a final balloon payment at the end. This reduces monthly payments but requires a larger payment if you want to keep the bike. Both options are popular for financing motorbikes, and our team can help you decide what suits your needs best.
Yes, financing a used motorbike is a great option and often more affordable than financing a new one. Zuto works with lenders who provide finance options for both new and used bikes, and we’ll even run a free vehicle history check to ensure the motorbike is reliable.
Finance agreements usually last between 12 and 60 months. The term you choose can affect your monthly payments and total interest paid. Shorter terms typically mean higher monthly payments but less interest overall, while longer terms lower monthly costs but increase total interest.
Monthly payments are usually determined by:
Using our motorbike finance calculator, you can quickly estimate your payments and find a plan that fits your budget.
Most lenders allow you to settle your motorbike finance agreement early, either by paying off the remaining balance in full or through partial early payments. Depending on the agreement, there might be a small settlement fee, but doing so can help reduce the total interest you pay over the term.
While some agreements may require a deposit, Zuto also offers no deposit motorbike finance options. This means you can spread the full cost of the motorbike across your monthly payments without needing to pay anything upfront.
To apply for a motorbike finance deal, typically you will need:
These documents help lenders assess your application and finalise the finance agreement.
Find out more about motorbike finance criteria and approval documents.
Yes, self-employed applicants can apply for motorbike finance. You’ll need to provide additional evidence of your income, such as recent tax returns or business bank statements, to demonstrate your ability to make repayments.
At Zuto, our approval process is fast and efficient. Once you submit your application, you can often receive a decision within minutes. From there, the time it takes to complete the process and collect your bike depends on the lender and dealer, but it’s typically a matter of days.
A balloon payment is a larger, one-off payment made at the end of some finance agreements, like PCP or lease purchase. It allows you to take ownership of the motorbike after lower monthly payments during the agreement. This option provides flexibility but requires planning for the final payment.
Mileage restrictions are common with PCP agreements. These limits are agreed upon at the start of the contract and may incur additional charges if exceeded. Make sure to choose a mileage limit that matches your usage needs.
Modifications may be allowed, but it’s essential to check with your lender first. Unauthorised customisations could breach your finance agreement or affect the bike’s resale value.
If your motorbike is stolen or written off, your insurance should cover its value. However, if there’s a shortfall between the insurance payout and the amount owed on your finance agreement, you may need to cover the difference. Consider taking out gap insurance to protect against this.
Find out more about what happens if your van is stolen or written off during the finance term.
No, motorbike insurance is not included. You’ll need to arrange your own insurance separately, and most finance agreements require you to have comprehensive coverage as a condition of the deal.
If you’re after a quick refresher or you’re completely new to bike finance, our glossary can help.
Find out everything you could need to know about financing a bike.
Have a question about bike finance? You'll find everything you need to know here.
