Motorcycle Finance



Motorcycle finance helps you spread the cost of a new or used motorcycle. Instead of paying the full amount upfront, you can pay monthly with interest. Black Horse offer a range of financial options to allow to get out on the road with a payment plan flexible to your needs, with different preference options available for your circumstances, such as Personal Loan, Hire Purchase and Personal Contract Purchase (PCP).

But how does it all work?

The Products

Each of these products works a little differently, but in general terms, the finance company will buy the motorcycle on your behalf and then you will repay the amount borrowed, plus interest - when you have paid the final repayment the motorcycle will be yours. The exception is Personal Loan where you own the motorcycle from the outset.

Your Options

The choice is yours:

  • Own the motorcycle from the beginning of the agreement as in the case of a Personal Loan
  • Own the motorcycle at the end of the agreement
  • Or ride a new motorcycle for a set term, handing it back at the end. This is an option under Personal Contract Purchase (PCP).*

Repayment Duration

Dependant on the product you choose, you would typically pay a deposit and make monthly repayments from 1-5 years to tailor the finance to meet your budget. Where the product is secured against the motorcycle for the duration of the agreement (not in the case of a Personal Loan) the motorcycle will be owned by the finance company (not the dealer). You do not take title of the motorcycle until the final repayment is made.

* Under our PCP product, you have the option at the end of the agreement to return the motorcycle and not pay the final lump sum repayment. If the motorcycle is in good condition and has not exceeded the agreed maximum mileage you will have nothing further to pay. Further information on what is considered good condition can be found at If the motorcycle has exceeded the agreed maximum mileage a charge for excess mileage will apply.


Being a Guarantor?

What does being a guarantor mean?
Being a guarantor involves helping someone else get credit, such as a loan or mortgage. Acting as a guarantor, you “guarantee” someone else’s loan or mortgage by promising to repay the debt if they can’t afford to. It’s wise to only agree to being a guarantor for someone you know well. Often, parents will act as guarantors for their children, to help them take that first step onto the property ladder.

Can anyone be a guarantor?
Almost anyone can be a guarantor. It’s often a parent, spouse (as long as you have separate bank accounts), sister, brother, uncle or aunt, friend, or even a grandparent. However, you should only be a guarantor for someone you trust and are willing and able to cover the repayments for.

To be a guarantor you’ll need to be over 21 years old, with a good credit history and financial stability. If you’re a homeowner, this will add credibility to the application.

Whether you’re considering asking someone to be a guarantor, or you’ve been approached by a family member or friend in need, you need to be aware of the possible financial risks.



Sub-Prime Finance?

If you have poor or limited credit or you have had financial difficulty in the past we may be able to offer you finance*, however it may be from a sub-prime lender. Sub-primefinance is not guaranteed and may cost more than finance provided by a prime lender. We will try to obtain finance for you but there is no guarantee. It may be from a sub-prime lender, and if so, the cost of finance may likely be at a higher rate than prime lenders offer.

General Terms and Conditions.

Please note you will not own the motorcycle and or scooter outright until all payments are made.
If you default on your finance payments, then the bike may be repossessed by the finance provider.
You must be 18 years or older to apply for finance.
Finance is not guaranteed, and any finance application is subject to a credit check and individual circumstances.
If you require any further information please do not hesitate to contact us.
The finance provider will have their own Terms and Conditions, please contact them directly for further information.


Fiveways Motorcycle Centre Ltd is an Appointed Representative of Automotive Compliance Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA No 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows Fiveways Motorcycle Centre Ltd to act as a credit broker, not as a lender, for the introduction to a limited number of finance providers and to act as an agent on behalf of the insurer for insurance distribution activities only.