Buy Now Pay Later Used Motorcycles in the UK – Ride Now, Pay Monthly

Dreaming of two wheels but not ready to pay all at once? Whether you're eyeing a reliable commuter bike or something for weekend rides, Buy Now Pay Later (BNPL) for used motorcycles in the UK lets you spread the cost without a hefty deposit or perfect credit. From scooters to sports bikes, flexible motorcycle finance puts the ride within reach — no waiting, no stress.

Buy Now Pay Later Used Motorcycles in the UK – Ride Now, Pay Monthly

What Is BNPL for Used Motorcycles?

Buy Now Pay Later for used motorcycles is a financing option that allows buyers to purchase a bike and start riding immediately while paying for it in instalments. Unlike traditional loans, BNPL often comes with more flexible terms and can be easier to qualify for. This method typically involves making regular monthly payments over an agreed period, which can range from a few months to several years.

Who Offers Motorcycle Finance with Pay Monthly Plans?

Several providers in the UK offer BNPL options for used motorcycles. Major dealerships often have in-house financing solutions, while independent finance companies specialize in motorcycle loans. Some popular providers include:

  • Black Horse Motorcycle Finance

  • Close Brothers Motor Finance

  • Santander Consumer Finance

  • MotoNovo Finance

  • Wheels2U

These companies work with various dealerships and private sellers to offer flexible payment plans tailored to different budgets and credit situations.

Example of a Monthly Payment Plan

To illustrate how a BNPL plan might work, let’s consider a hypothetical scenario. Imagine you’re purchasing a used motorcycle valued at £5,000. A typical BNPL arrangement might look like this:

  • Down payment: £500 (10% of the bike’s value)

  • Loan amount: £4,500

  • Term: 36 months

  • Interest rate: 9.9% APR

  • Monthly payment: Approximately £145

This example demonstrates how BNPL can make a significant purchase more manageable by breaking it down into smaller, regular payments.

What’s Included in BNPL Used Bike Deals?

BNPL deals for used motorcycles often include more than just the cost of the bike itself. Typical inclusions might be:

  1. The motorcycle’s purchase price

  2. Road tax for the first year

  3. Extended warranty options

  4. Optional GAP (Guaranteed Asset Protection) insurance

  5. Delivery charges (if applicable)

Some deals may also offer the option to include safety gear or initial servicing costs in the finance package, allowing riders to budget for all aspects of motorcycle ownership.

Why Buy a Used Motorcycle with Pay Monthly Finance?

Opting for a used motorcycle with pay monthly finance offers several advantages. Firstly, it allows riders to access higher-quality or more powerful bikes that might otherwise be out of reach. Additionally, used motorcycles often represent better value for money, having already depreciated significantly from their original price. Pay monthly plans make these bikes even more attainable by spreading the cost over time.

For new riders, starting with a used bike can be a smart choice. It provides an opportunity to gain experience without the pressure of a large financial commitment. Moreover, if your circumstances change, it’s often easier to sell or trade in a used bike without incurring a significant loss.

How Do BNPL Motorcycle Deals Compare?

When considering BNPL options for used motorcycles, it’s essential to compare different providers and their offerings. Here’s a comparison of some popular BNPL motorcycle finance providers in the UK:


Provider APR Range Loan Term Minimum Deposit
Black Horse 9.9% - 29.9% 12-60 months 0% - 10%
Close Brothers 7.9% - 24.9% 24-60 months 10% - 20%
Santander Consumer 8.9% - 19.9% 12-60 months 0% - 15%
MotoNovo 10.9% - 34.9% 24-60 months 0% - 15%

Prices, rates, or cost estimates mentioned in this article are based on the latest available information but may change over time. Independent research is advised before making financial decisions.


When comparing BNPL deals, consider factors beyond just the monthly payment. Look at the total cost of credit, any additional fees, and the flexibility of the repayment terms. Some providers may offer features like payment holidays or the ability to make overpayments without penalties, which could be valuable depending on your financial situation.

In conclusion, Buy Now Pay Later options for used motorcycles in the UK offer an accessible path to motorcycle ownership. By allowing riders to spread the cost over time, these finance plans make it possible to enjoy the thrill of riding sooner rather than later. However, it’s crucial to carefully consider your budget and compare different offers to ensure you choose a plan that suits your financial circumstances and riding aspirations.