Specialist
Motorcycle Finance and Leasing
For buying and refinancing motorcycles
Speak to us today...
For buying and refinancing motorcycles
Speak to us today...
High quality motorcycle finance solutions for UK & international clients.
We can deliver enhanced, bespoke or exclusive terms through our market knowledge.
Call us on 0203 900 4322 to discuss your requirements.
Purchasing a motorcycle is a major financial decision that requires careful consideration. The purchase price alone can be quite high depending on the make, model and condition of the motorcycle. In addition to the initial outlay, owning and operating a motorcycle involves significant ongoing expenses such as maintenance, insurance, tax and fuel costs.
For many individuals and businesses, paying the full purchase price upfront is simply not feasible. This is where motorcycle financing can provide a valuable solution. By securing financing, buyers can spread out the cost of the motorcycle over time through a loan or lease. This improves cash flow and makes motorcycle ownership more accessible and affordable.
There are several financing options to choose from, each with their own pros and cons. Loans allow you to borrow money to directly purchase the motorcycle, while leases allow you to pay a monthly fee to use it without taking full ownership.
With our help, you can explore your best option based on factors like tax implications, financial goals, and future plans for the motorcycle.
If you want to buy a motorcycle in the UK, you have several finance options to choose from. Each option has its own features, advantages, and disadvantages. Depending on your personal and financial circumstances, you can choose the one that suits you best:
Motorcycle finance is a form of leasing, where you pay a monthly fee to use the motorcycle, but you do not own it. The monthly fee is based on the depreciation of the motorcycle over the lease term, and the residual value at the end of the lease. The residual value is the estimated value of the motorcycle at the end of the lease, which is agreed upon at the start of the contract.
Motorcycle finance is similar to personal contract hire, which is a type of vehicle leasing that allows you to use the vehicle for a fixed period of time, usually 2-4 years.
At the end of the lease, you have three options, you can either:
A motorcycle loan is a form of credit, where you pay a deposit and then monthly instalments to buy the motorcycle over a fixed period of time. The monthly instalments include both the principal and the interest, and the interest rate is usually fixed.
The motorcycle is the security for the loan, which means that if you fail to make the payments, the lender can repossess the motorcycle. This is similar to hire purchase, which is a type of vehicle finance that allows you to own the vehicle at the end of the contract, after paying a final option to purchase fee.
The final payment is usually the same as the monthly instalment, plus a £10 option to purchase fee. This fee is a legal requirement, and it transfers the ownership of the motorcycle from the lender to you.
Motorcycle loans and finance may have some differences from hire purchase and asset finance, such as:
If you want to buy a motorcycle in the UK, you have some other finance options to consider. Each option has its own features, advantages, and disadvantages. Here are some of them:
Hire purchase with balloon payment is similar to a motorcycle loan, but with a twist. Instead of paying equal monthly instalments, you pay lower monthly instalments and a larger final payment, known as the balloon payment. The balloon payment is usually 25% to 50% of the purchase price of the motorcycle, and it is agreed upon at the start of the contract.
The disadvantage is that you have to pay more interest than a motorcycle loan, and you have to save up for the balloon payment or find another source of finance. The balloon payment is usually the same as the agreed percentage of the purchase price.
Personal contract hire is a leasing option, where you pay a deposit and monthly instalments, based on the depreciation and the residual value of the motorcycle. You do not own the motorcycle, but you can use it for a fixed period of time, usually 2-4 years. You may have to stick to a mileage limit.
At the end of the contract, you have two options. You can either return the motorcycle to the lender and walk away, or extend the contract for another term.
PCP is a flexible leasing option, where you pay a deposit and lower monthly instalments, based on the depreciation and the residual value of the motorcycle. You can own, return, or part-exchange the motorcycle at the end of the contract, by paying, avoiding, or using the residual value as a deposit. PCP has lower monthly payments and more options than personal contract hire, but higher interest and a large final payment.
Now that you understand the different ways to finance a motorcycle in the UK, you might be wondering what types of motorcycles you can buy on finance. The good news is that you can find almost any model of motorcycle on finance, as long as it is within your budget and meets the lender’s criteria.
However, some models are more popular and available than others, depending on the demand, supply, and market trends. Here’s a brief overview:
| Model | Price Range (£) |
|---|---|
| Harley-Davidson CVO Limited | £35,000 |
| Ducati Panigale V4 R | £35,000 |
| BMW K 1600 GTL | £25,000 |
| Honda Gold Wing Tour | £30,000 |
| Triumph Rocket 3 GT | £25,000 |
| Kawasaki Ninja H2 SX SE+ | £25,000 |
| MV Agusta F4 RR | £28,000 |
| Yamaha YZF-R1M | £26,000 |
| Suzuki Hayabusa | £27,000 |
| KTM 1290 Super Duke R | £25,000 |
| Ducati Superleggera V4 | £86,000 |
| Honda RC213V-S | £137,000 |
| Kawasaki Ninja H2R | £50,000 |
| BMW HP4 Race | £68,000 |
| Harley-Davidson CVO Road Glide | £34,000 |
Owning a motorcycle can be a significant financial commitment, so you should carefully plan your budget and compare the different finance options available. You should also consult with a professional motorcycle dealer, who can help you find the best motorcycle for your needs and negotiate the best deal for you.
At Clifton Private Finance we can help. With over 20 years of experience and access to exclusive lenders and rates, we’ll offer you expert advice, tailored solutions, and a hassle-free service. Contact us today and get your dream motorcycle on finance.
Besides the purchase price and the finance cost, you should also consider the costs of owning and operating a motorcycle, which can vary depending on the make, model, and condition of the motorcycle. Some of the main costs include:
Importantly, these are general guidelines and examples. When it comes to your own motorcycle finance and the costs involved, the specifics will vary based on the motorcycle’s specifications and the road regulations in your country. Always consult with a financial advisor, such as us at Clifton Private Finance, or a legal expert before making any decisions.
At the end of a motorcycle finance plan, you have different options depending on the type of finance you have chosen. Here are the possible scenarios:
The option that you choose will depend on your preferences and circumstances. For example, if you want to own the motorcycle at the end of the term, you might prefer a loan. If you want to have a newer and more efficient motorcycle, you might prefer a lease.
If you are interested in financing a motorcycle in the UK, you might want to consider using a finance broker to help you with the process. A finance broker can help you find the best motorcycle finance option for your needs and budget, as well as negotiate the best deal with the lender. A finance broker can also advise you on the different types of motorcycle finance available for buying a motorcycle, such as low interest rates, no deposit, and flexible repayment terms.
At Clifton Private Finance, we have a team of specialist finance brokers who can help you finance a motorcycle in the UK. We can work with motorcycle dealers and manufacturers to arrange your motorcycle finance plan and finalise your purchase. We can also help you finance new, used, or imported motorcycles, and offer the most competitive motorcycle finance service for you.
To find out more about our finance broker service, don’t hesitate to contact us today.
We offer a free and no-obligation telephone consultation at a time that suits you.
Call us today to discuss your requirements on 0203 900 4322
I approached Clifton Private Finance to help me get a mortgage as an Expat working in the Far East. I would normally 'cut out the middle man' on something like this and try to get myself a deal directly with the banks, but I am now sold on the broker concept and wouldn't hesitate to use Clifton Private Finance again. There were a number of complicating factors such as being an expat, the stamp duty holiday, the sheer amount I wanted to borrow and the fact I wanted it all wrapped up before the Stamp Duty holiday ended. It is clear to me now that the relationship that brokers have managed to foster with their banks means they can simply pull levers and make stuff happen that us ordinary folk cannot. Put simply, they are worth every penny, will take most of the stress out of the lending process, and seem to have access to deals that you just won't find on the internet. Thank you George and Jan for all your hard work!
James M
Luther was excellent. Very clear in his advice and explanations of products and was able to move things on very quickly when we ran into difficulties with the estate agents. Without a doubt I would recommend Luther to all friends, family and colleagues. Luther was a joy to deal with and took a lot of the stress out of a troublesome transaction, from my end. I would view Luther as real asset to Clifton Private Finance Ltd.
William W
The team at Clifton Private Finance has been outstanding, not only in helping me to obtain a mortgage on a slightly unusual home, but also in continuing to provide support and liaise with the lender and solicitors through to completion. Thank you for making the process of buying my first home much easier.
Chantelle S
Sam O'Neill, and the new lender he identified for me, worked tirelessly together using my time constraints, to make sure my mortgage application was completed on time. They are a brilliant company to work with, fast, efficient, open and transparent from the very beginning, and turned a seemingly impossible situation into a viable one. Sam was brilliant throughout the whole process and I would highly recommend him, and his colleague Helen, to anyone without hesitation, I cannot speak highly enough about them.
Myr B
I was incredibly lucky to find Clifton Private Finance after a search on line as their service has been more than exemplary. My point of contact was Sam 0’Neill and he was happy to help at every stage during the application of the bridging loan, making a stressful process much easier to deal with. He was always available by phone or email and gave prompt answers to queries I had as well as always getting back to me when he said he would. That to me is excellent customer service and I cannot thank him personally or the company enough for the support they have given me.
C Jefferey
Adam cannot thank you enough for all your support throughout this arrangement. You have gone more than the extra mile to support us. Without you we would not have got our dream retirement home. You have been most professional and personable. Liz and I would be more than happy if you wanted to use us a reference with respect to any future clients.
Nigel & Liz K - Bristol
You have certainly shown me that you do everything for your clients, including tolerating their excessive emails and questions for updates. I have been kept in the loop, from yourself, about why the delays were occurring (Nationwide, post etc) which I would like to highlight that I really appreciated. I certainly will be able to recommend you to others as and when the need arises.
Mr Morris
I recently contacted Clifton Private Finance after a Google search for bridging finance providers and was immediately struck by their efficiency and support. Forms were emailed over almost immediately and the necessary finance was arranged within a few days. None of the other companies I contacted came close to their professionalism, and the quote that I eventually received was impressive. Thank you Adam, your help has enabled us to reserve the house that we wanted and I certainly recommend you to others.
Mr M. R. - Oxford
Absolutely brilliant. The service was first class, got everything sorted efficiently and were always friendly. Any fees were negligible compared to the service offered. Robert was particularly outstanding.
Charles N
My advisor, Robert, was very helpful in finding the mortgage to suit me. He kept me up to date throughout the process and dealt with any issues when they arose.
Rowena C
