Call free on 0800 694 5566 Open 24 hours a day.


More than any bank

Motorbike Loans

Getting motorbike finance could help you purchase a new or used motorbike, whether it’s your first bike or your next project, and spread the costs over a series of monthly payments.

Motorcycle finance could help you raise the funds to buy a bike, whether it’s to tinker with a small scooter or purchase a powerful cruiser. If you apply for motorbike finance, you could spread the cost of borrowing over a series of fixed monthly payments, from one to 30 years, depending on whether you take out an unsecured loan or secured loan. It’s important to consider the costs of borrowing money for a motorbike. Always make sure you can comfortably afford the monthly repayments before applying for a motorbike loan.
  • A motorbike loan is a type of finance used for motorbike purchases or upgrades.

  • This type of borrowing may have higher monthly repayments than PCP or leasing, but you’ll benefit from owning the bike outright.

  • Your repayments and interest rates can be fixed for the loan period on an unsecured loan or up to 5 years on a secured loan.

  • If you cannot keep up with the repayments, your credit score will likely be negatively affected, and legal action may be taken.

Looking for a larger amount?

Call us for FREE on 0800 694 5566

Homeowner rates, from 6.7%

2020 Platinum Feefo Trusted Service Award

What is a motorbike loan?

A motorbike loan works similarly to other personal loans, such as a car loan or borrowing for home improvements. You would apply for the amount you need to make the purchase, and pay back the motorbike loan over a series of fixed monthly repayments.

How do motorcycle loans work?

If you need to raise the funds to finance a motorbike, there are different methods available. These are:

Am I eligible for motorcycle financing?

It’s possible to get bad credit motorbike finance even if your financial situation isn't ideal. However, you will need to demonstrate to lenders that you can meet the repayments comfortably.

They may also want additional security on a bad credit motorcycle loan, which may mean a higher interest rate or securing the loan against personal assets such as your home, which may result in a lower interest rate.

What can I use motorcycle financing for?

You can use motorcycle financing to fund a motorbike that suits the lifestyle you lead. There are different types of bikes with different specifications for distinct purposes. You may be new to motorbiking, or you might be ready to move up a level.

Applying for an unsecured motorbike loan

We search more than 600 plans from various lenders to give you the choice when it comes to getting a loan. Even if you are a new driver or on benefits, we’ll try to help secure a motorbike loan term to suit your personal circumstances.

Our loan options for unsecured loans let you borrow from £3,000 to £25,000, spread between one and seven years. We can make an ‘in principle’ decision within 24 hours of your application and can make a direct payment in around 14 days.

Frequently asked questions about motorcycle financing

Still unsure how motorbike loans work? Read our frequently asked questions below to find out more.

Are motorbike loans the same as car loans?

While there are similarities, a motorbike loan is not the same as a car loan. This is because these types of borrowing are for a specific purpose. Therefore, lenders will likely only accept your motorbike loan application if you are using it to purchase a bike, rather than another type of vehicle.

How much can I borrow?

With motorcycle finance from Norton Finance, you can borrow between £1,000 and £100,000. To get an idea of what your monthly repayments might look like, give the loan calculator a try.

How long are the repayment terms?

With a wide range of lenders on our system, we can offer you flexible loan terms on our repayment plans.

What are the interest rates on motorbike loans?

The interest rates on motorbike loans will vary between lenders and can be determined by your credit history. Our homeowner interest rates start from 6.7%.

Are there any loan fees?

Our loan fees will depend on the type of borrowing you apply for. Secured loans may come with a broker fee of 12.5% - capped at £3,995. Unsecured borrowing doesn’t come with any loan fees.

Related Articles

Call us FREE on 0800 694 5566

24 hours a day, 7 days a week.

Complete our quick online form.

Get a Quote Now