Motorbike finance
Your dream bike could be closer than you think. With flexible motorbike finance from Luv Cars, getting on the road has never been easier.
Can I get finance for a motorbike?
Absolutely! At Luv Cars, we’re all about helping you get on the road (or two wheels) with a finance deal that works for you. Whether you’ve got your eye on a nimble 125cc commuter or a powerful 1000cc machine, we’ll help you find a finance option that makes owning your dream bike that little bit easier.
Motorbike finance is simple. Instead of paying for the bike all at once, you spread the cost over manageable monthly payments, making it easier to budget while enjoying your new ride sooner.
Motorbike finance made simple
Whether you're looking for your first 125cc bike, a reliable commuter, or a powerful machine for weekend rides, Luv Cars can help you find a finance deal that works for you.
We work with a panel of trusted lenders to help match customers with suitable finance options across a wide range of budgets and circumstances. So whether you've been riding for years or you're just starting your two-wheel journey, we're here to help make it happen.
With a straightforward application process and support from our friendly team, getting on the road could be easier than you think.
Bad credit motorbike finance
Been turned down elsewhere? Don't give up just yet.
At Luv Cars, we understand that life doesn't always go to plan. Missed payments, mortgage arrears, defaults or CCJs can all affect your credit score, but they don't automatically mean finance is out of reach.
We look at more than just your credit score. Every application is assessed on its own merits, taking your individual circumstances into account.
While approval can't be guaranteed and finance is always subject to status, we'll do our best to help you explore the options available and find a solution that's right for you.
Representative example. Borrowing £8,700 over 5 years with a representative APR of 24.3% an annual interest rate of 21.9% (fixed) and a deposit of £0.00, the amount payable would be £239.88 per month, with a total cost of credit of £5,692.80 and a total amount payable of £14,392.80. Luv Cars is a broker, not a lender.
Is motorbike finance right for you?
For many riders, finance is a practical way to get on the road without paying the full cost of a bike upfront.
By spreading the cost over fixed monthly payments, finance can make budgeting easier and help you get the bike you want sooner. Before deciding, it's worth considering a few key factors:
Can you comfortably afford the monthly payments?
Make sure the repayments fit comfortably within your budget alongside your other regular expenses.
What are the interest rates and charges?
Different finance agreements come with different rates and fees, so it's important to understand the total cost before you commit.
How much will you pay overall?
Look at the total amount repayable, including interest, and compare it with the bike's cash price. This will help you decide whether finance offers good value for your circumstances.
If you're unsure, our team is always happy to talk you through your options and answer any questions.
A word from the Luv Cars team
“Motorbike finance provides you with a great way of owning your ideal bike without the stress of a large upfront payment. With flexible monthly payments, it’s easier than ever for both enthusiasts and daily commuters to get their dream bike!”
Mike Sheridan
Head of Customer Experience
Here’s how to get your finance
In 3 simple steps
1. Get approved
Get your personalised bike finance quote and approval in principle in minutes using our smart search tool.
2. Choose your vehicle
Once approved, find your bike by using LuvCar finder. Showing you options from our approved dealers.
3. Ride away & luv it
We’ll sort everything out with the dealer and lender. You just turn up and drive away.
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Frequently Asked Questions
Do I need a good credit score to get motorbike finance?
Not necessarily. While having a good credit score could improve your chances of being approved or help you access better rates, it's not the only thing lenders look at.
At Luv Cars, we work with a panel of trusted lenders, including some who consider applications from customers with less-than-perfect credit. So if you've had credit issues in the past, it's still worth getting a quote.
All finance is subject to status and affordability checks.
Is it easy to get motorbike finance?
Every application is different, but applying is quick and straightforward.
Lenders will look at things like your credit history, income and overall financial circumstances when assessing your application. Even if your credit isn't perfect, you may still have options available.
The best way to find out what's possible is to get a quote – it won't take long, and our friendly team will be here to help you every step of the way.
How long does it take to get approved?
Once you've completed your application, you'll usually receive a decision in minutes.
If you're approved, our team will be in touch to talk you through your finance options and help you take the next steps. From there, the process can move as quickly as you're ready for it, meaning you could be on your new bike sooner than you think.
Can I get motorbike finance if I'm self-employed?
Yes. Being self-employed doesn't automatically stop you from getting motorbike finance.
We work with lenders who consider applications from sole traders, freelancers, contractors and business owners. You may simply be asked to provide documents that confirm your income, such as bank statements or tax returns.
Can I get motorbike finance with a low credit score?
Potentially, yes.
There's no single minimum credit score needed for motorbike finance, as every lender has their own criteria. Your application will usually be assessed using a combination of factors, including your credit history, income and affordability.
If your credit score isn't where you'd like it to be, don't let that put you off applying. We may still be able to help you explore your options.
All finance is subject to status and affordability checks.
Can I pay for a motorbike in monthly instalments?
Absolutely. That's how most motorbike finance agreements work.
Instead of paying the full cost upfront, you spread the cost over fixed monthly payments across an agreed term. This can make budgeting easier and help you get on the road sooner.
Our team will help you understand the finance options available, so you can choose a deal that suits your budget and your plans.