Owning a motorcycle doesn’t always mean paying the full price upfront. At Superior Cycles, customers can take advantage of tailored motorcycle finance plans that spread the cost over manageable monthly instalments. Their finance tools include:
Hire Purchase (HP) – Spread the cost with affordable monthly payments and gain full ownership once all payments are complete.
Personal Contract Purchase (PCP) – Lower monthly payments with flexible end-of-term options, including returning the bike, upgrading, or owning it outright.
No-Deposit Finance – Ideal for riders without a large upfront sum, allowing you to finance the entire purchase price.
Support for All Credit Backgrounds – Even if your credit history is less than perfect, Superior Cycles works with a network of reputable lenders to help find suitable finance solutions.
Their online finance calculator helps estimate monthly payments based on bike price, deposit size, term length, and credit profile — empowering riders to plan their budget with confidence before applying.
Finance Calculator
Calculate your estimated monthly payments
Your estimated monthly payment:
£0.00
This is an estimate only. Final terms subject to approval.
Frequently asked questions
Motorbike finance is a convenient way to buy a motorcycle without paying the full amount in one go. Instead of a large upfront payment, you enter into a finance agreement that allows you to repay the cost — plus interest — in fixed monthly instalments over a set period.
This option is popular with riders who want a new or used bike for commuting, weekend rides, or long-distance touring, but prefer to spread the cost over time.
Access to a wider selection of motorcycles.
Payment plans tailored to fit your budget.
Options available for customers with a limited or poor credit history, including specialised bad credit finance plans.
There isn’t a single finance option that suits everyone. Different riders have different budgets and goals, which is why there are several types of motorbike finance available. Below are the main options to consider:
Hire Purchase (HP)
Hire Purchase lets you pay for your motorcycle in fixed monthly instalments after putting down an initial deposit. The agreement runs for an agreed term, and once all payments have been made, full ownership of the bike transfers to you.
HP is straightforward and easy to understand, making it one of the most common ways to finance a motorbike. However, because you’re paying off the full value of the bike, monthly payments and deposits are typically higher than some other options.
Personal Contract Purchase (PCP)
Personal Contract Purchase usually comes with lower monthly payments because you’re primarily covering the bike’s expected depreciation during the agreement, rather than its full value.
At the end of the term, you typically have three choices:
Hand the bike back.
Use any remaining value towards another motorcycle.
Pay a final lump sum (often called a balloon payment) to own it outright.
No Deposit Finance
If you don’t have savings for an upfront payment, no deposit finance may be an option. This allows you to spread the entire cost of the motorcycle across your monthly payments without paying anything at the start of the agreement.
Keep in mind that without a deposit, monthly repayments may be slightly higher since you’re financing the full purchase price.
Concerned that a low credit score could stand in the way of owning your dream motorbike? At Superior Cycles, we understand that financial setbacks can happen — and they shouldn’t stop you from getting on the road. That’s why we focus on helping riders secure motorbike finance, even if their credit history isn’t perfect.
We work hard to give you the best possible chance of approval, no matter your circumstances.
How Superior Cycles can support you:
Finance options for all credit backgrounds
We partner with a network of reputable lenders, including those who specialise in helping customers with poor or limited credit histories.
Personalised guidance
Our experienced team takes the time to learn about your individual situation and match you with finance solutions designed around your needs.
Flexible repayment choices
Whether you’re looking for a no-deposit agreement or affordable monthly instalments, we’ll help you find a plan that fits comfortably within your budget.
At Superior Cycles, past credit issues don’t have to define your future. Apply today with our straightforward process and take the first step towards owning your next motorbike.
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.