Motorcycle Finance

Work out your monthly budget in seconds, explore your options, then apply online. Quick decisions, competitive rates, no pressure.

Calculate Now Apply for Finance

Your Monthly Budget Calculator

Enter a price, choose a deposit and term, and get a clear, no-obligation idea of your Hire Purchase payments.

LOZMOTO LTD is an Appointed Representative of Automotive Compliance Ltd who is authorised and regulated by the Financial Conduct Authority (FCA No. 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows LOZMOTO LTD to act as a credit broker, not a lender, for the introduction to a limited number of lenders.

We are a credit broker and not a lender. We can introduce you to a lender on our panel. We may also work with credit brokers who have access to other lenders. We have commercial arrangements with lenders and credit brokers which are likely to influence who we introduce you to. We are not an independent financial adviser and don’t give you any advice or recommendations. It is your choice whether you enter into any finance agreement.

We will usually receive a commission for your introduction. This will be either a fixed fee, or a fixed percentage of the amount that you borrow. Before we propose you to a potential lender, we will tell you of the likely amount of commission we will receive and seek your consent to receiving this commission. The exact amount of commission will be confirmed before you sign your finance agreement.

All finance applications are subject to status, terms and conditions apply, UK residents only, 18s or over. Guarantees may be required.

How It Works

1

Vehicle Price

Enter the price of the bike — or how much you'd like to borrow.
2

Deposit

Putting money down? Add your deposit to lower the monthly payments.
3

Term

Choose how long you'd like to spread the cost over.

What You'll Discover

Monthly Payment

A clear estimate of what you'd pay each month.
Total Amount Payable

The total you'd pay across the whole agreement.
Interest

An approximate cost of borrowing over the term.

Finance Options Explained

Choose the option that works best for you.

Hire Purchase (HP)

Fixed monthly payments over an agreed term. The bike is yours outright once the final payment is made — the most straightforward option, and what the calculator below estimates.

Personal Contract Purchase (PCP)

Lower monthly payments with a larger final "balloon" payment. At the end you can pay the balloon, return the bike, or part-exchange. Apply to get a tailored PCP quote.

Other Options

Conditional Sale, Personal Contract Hire and Lease Purchase are also available. Watch the explainers below, or apply and a member of the team will talk you through what fits.

Watch: your finance options explained in six short videos

Why Finance Through a Dealership?

What is Hire Purchase?

What is Conditional Sale?

What is Personal Contract Purchase?

What is Personal Contract Hire?

What is Lease Purchase?

Looking for a Precise Quote?

The calculator gives you a Hire Purchase estimate. If you'd like exact monthly payments — or you're exploring PCP, a Personal Loan or another product — apply online and a dedicated member of the team will be in touch to talk you through the options. Each finance product is subject to the lender's vehicle criteria and to status.

Apply for Finance

Important Information

Figures shown by the calculator are illustrative estimates only and do not constitute a quote or an offer of finance.
Finance is subject to status and affordability checks. A minimum deposit may be required.
LozMoto LTD is a credit broker and not a lender. All finance agreements are between you and the finance provider.
You must be 18 or over and a UK resident to apply.

LOZMOTO LTD is an Appointed Representative of Automotive Compliance Ltd who is authorised and regulated by the Financial Conduct Authority (FCA No. 497010). The full regulatory disclosure is shown above and in the footer of every page. To make a complaint about a regulated activity, see our complaints policy.

Frequently Asked Questions

Everything you need to know about motorcycle finance.

Can I get finance on a used motorcycle?

Yes, finance is available on all bikes in our stock. Whether it's a 125cc commuter or a litre-class superbike, we can arrange finance to suit.

What credit score do I need?

We work with multiple lenders who cater to a range of credit profiles. Even if you've been declined elsewhere, it's worth getting in touch — we may be able to help.

How long does approval take?

Most finance decisions come through within 24 hours. In many cases, we can get an answer the same day.

Can I pay off my finance early?

Yes, most finance agreements allow early settlement. There may be a small settlement fee depending on your agreement. Contact your finance provider for details.

Is a deposit required?

A deposit is usually required, typically around 10% of the bike's price. However, this varies by lender and your individual circumstances.

Does applying affect my credit score?

Initial quotes typically use a soft search, which doesn't affect your credit score. A full search is only carried out if you decide to proceed with an application.

Ready to Get Started?

Apply online in minutes and we'll be in touch with your finance options.