- Loans
- Motorbike Loans
Motorbike loans from 8.2% APR
Buy the motorbike you want with a personal loan from Zable. We pay the money into your account, so you can buy as a cash buyer, new or used, from a dealer or a private seller. Borrow £1,000 to £25,000 over 1 to 5 years.
Representative example:
Why choose Zable for your motorbike loan
A Zable motorbike loan is an unsecured personal loan. That changes how you purchase your bike in the following ways:
You own the bike outright
The loan isn't secured against the motorbike, so it's yours from day one, you are responsible for making the loan repayments.
Buy from anyone
Dealer, private seller or auction, new or used. The money goes to you, so you choose where to spend it.
Borrow up to £25,000
Zable offers loans from £1,000 up to £25,000, so you can borrow the right amount you need to buy your bike.
How to get a bike loan with Zable in 3 steps
Applying for a loan with Zable is easy:
Quick eligibility check
See your personalised rate in minutes without affecting your credit score.
Choose your loan
Select a loan amount from £1,000 to £25,000 and repayment term from 1 to 5 years that fits your needs.
Receive your funds
When you’re finished with your application, money is then sent directly to your bank account, usually within the hour.
What is motorbike finance?
Motorbike finance usually means hire purchase (HP) or personal contract purchase (PCP), often arranged through a dealer. With these, the bike is secured against the agreement and the finance company technically owns it until you've made all your payments, and they can take it back if you fall behind. PCP also typically involves a large final "balloon" payment if you want to keep the bike at the end.
On the other hand a personal loan is unsecured and based on your income and credit history, you choose what to do with the money, but you are responsible for making your monthly payments until the loan is paid in full.
Both options can be suitable if you’re looking to buy a bike, here’s the key factors head-to-head.
| Personal loan | Hire purchase (HP) | Personal contract purchase (PCP) |
|---|---|---|---|
Who owns the bike? | You, from day one | Finance company until the last payment | Finance company until you pay the final balloon |
Is a deposit needed? | No | Usually | Sometimes (or trade-in) |
Can I buy from a private seller? | Yes | No (dealerships only) | No (dealerships only) |
Monthly cost | Fixed | Fixed | Often lower, but with a large final payment |
What happens at the end? | Bike is yours, nothing more to pay | Bike is yours | Pay the balloon to keep it, or hand it back |
A personal loan tends to suit people who want to own the bike immediately and buy from a private seller. Finance can suit people who want a lower monthly payment and are happy for the lender to hold the bike until the end.
Can I use the loan for an e-bike or a high-value pedal bike?
Yes. Because a Zable loan is a personal loan paid into your account, you can use it for any kind of bike, including an e-bike or a premium pedal bike. It's worth comparing it against other routes first though. For example, many employers offer the Cycle to Work scheme, and some retailers offer interest-free finance on bikes. A personal loan can make sense when those options aren't available to you, or when you want to buy from a private seller or spread the cost over a longer term. Always compare the total cost before you decide.
Can I get a motorbike loan with bad credit?
Possibly. Your credit history is one of the things we look at, but it isn't the only one. We assess your wider financial situation, including your income and what you can afford to repay. If your credit score is lower, you're likely to be offered a higher interest rate, so it's especially important to check the total cost and make sure the repayments fit your budget. Our page on loans for bad credit explains more. Checking your eligibility with us won't affect your credit score, so you can see where you stand before applying.
Things to consider before taking out a motorbike loan
Total cost
Look at the full cost, not just the monthly payment. A longer term means lower monthly payments but more interest overall.
Affordability
Borrow only what you need. It's tempting to round up, but a smaller loan costs less and is easier to repay.
Running costs
Factor in insurance, tax, gear, servicing and fuel on top of the repayments.
Budgeting
Make sure you could still cover the payments if your circumstances shift and you have a tighter budget.