Motorcycle Finance Options

To ensure we make purchasing your motorcycle as convenient and easy as possible we offer a suite of finance products that provide affordable monthly repayments, making purchasing your dream bike affordable.
Motorcycles UK (Swindon) Ltd is authorised and regulated by the Financial Conduct Authority for the brokering of consumer credit.
We offer the following products from Blackhorse Motorcycle Finance
Personal Contract Purchase (PCP)
PCP is now the most popular finance option for buying either a new or used bike with over 70% of customer now choosing this method. PCP has the advantage of offering a low initial deposit, followed by affordable monthly payments with a deferred final payment at the end of the agreement. This final payment is guaranteed to be covered by the value of the bike. At the end of the term typically 36 or 48 months you have three options; 1, part exchange the bike for another one 2, hand the bike back to the finance company 3, pay off the final payment, often referred to the guaranteed future value (GFV) or balloon payment.
PCP payment profile example:

Hire Purchase (HP)
HP is the straightforward route to ownership. You agree a deposit to suit your budget then choose a repayment period of anything between 12 and 60 months. There is no final payment at the end of the term.
HP payment profile example:

Simply call us for a no obligation quote on any bike of your choice, we’re here to help.

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Motorcycles UK (Swindon) Ltd is authorised and regulated by the Financial Conduct Authority (reference number FRN 921401).
You can check this on the FCA website or by contacting the FCA on 0800 111 6768.
Motorcycles UK (Swindon) Ltd is a Credit Broker not a Lender and work with a limited number of providers.
We typically receive a fixed commission calculated by the vehicle or amount you borrow, for introducing you to a lender but this does not affect the interest you pay on the agreement, which is set by the lender.

*Finance is subject to status and is only available to UK residents aged 18 and over. Finance is a trading style of Black Horse Ltd, St William House, Tresillian Terrace, Cardiff, CF10 5BH. Terms and Conditions apply.
All Black Horse Ltd offers are subject to availability. You should not borrow more than you can afford to repay as doing so can cause you financial difficulties.
The representative finance examples provided are illustrative purposes only and may change subject to underwriting decision. Motorcycles UK works with a number of finance providers, commission may be received.

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