The smarter way to finance your bike...totally

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Mediablanket t/a Total Car Finance is a credit broker, not a lender. Our rates start from 8.9% APR.
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Our rates start from 8.9% APR: The rate you are offered will depend on your circumstances.

Representative Example: If you borrow £8,000 over 60 months with a representative APR of 19.0%, you will pay £201 each month. The total cost of the loan will be £4,060. In total you will pay £12,064.

Types of Bike Finance Options

When financing your next bike, several options are available, each with its own benefits. At Total Car Finance, we offer three main types of bike finance:

Hire Purchase is a bike finance agreement where you pay a deposit (usually around 10%) followed by fixed monthly payments over an agreed term (typically 1-5 years). Once the final payment is made, you own the bike outright.

Advantages

  • Simple, straightforward structure.
  • Fixed interest and monthly payments make budgeting easier.
  • You'll own the bike at the end of the term.

Disadvantages

  • Monthly payments are usually higher than PCP.
  • You don't own the bike until the final payment is made.
  • May require a larger initial deposit.

PCP is a flexible bike finance option. You pay a deposit and lower monthly payments compared to HP. At the end of the agreement, you can either pay a final "balloon" payment to own the bike, return it, or part-exchange it for a new one.

Advantages

  • Lower monthly payments than HP.
  • Flexibility at the end of the agreement.
  • Ideal for those who like to change bikes every few years.

Disadvantages

  • You don't automatically own the bike.
  • Balloon payment can be large if you choose to buy.
  • Mileage and condition limits apply — extra fees if exceeded.

A personal loan is an unsecured loan from a bank or lender that you can use to buy a bike outright. You'll own the bike immediately and repay the loan over time, usually with fixed interest.

Advantages

  • You own the bike from day one.
  • No mileage or wear-and-tear restrictions.
  • Competitive interest rates available.

Disadvantages

  • You're responsible for the bike's resale value and depreciation.

Finance Your Next Bike In 3 Steps

1.

Complete Our Short Form

It takes less than 2 minutes to do and won't hurt your credit score!

2.

Get Your Tailored Quote

We work with lenders who specialise in finding flexible auto loans to suit your needs.

3.

Choose Your Bike

Once you have your offer, head over to a reputable dealer and choose your bike.

FAQs

Bike finance allows you to spread the cost of a vehicle over a fixed term. Instead of paying the full price upfront, you can choose from several financing options like Personal Contract Purchase (PCP), Hire Purchase (HP), or Leasing.
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To Give You Total Peace of Mind

At Total Car Finance we specialise in helping you find competitive low-APR bike finance options in the UK. Our goal is to secure affordable and flexible bike finance deals tailored to your budget and needs.

Financial Conduct Authority registered

Total Car Finance is a trading style of MediaBlanket Ltd, who is authorised and regulated by the Financial Conduct Authority. FCA Reference Number: 723605

GDPR

We are GDPR compliant

We fully comply with UK data protection laws, specifically our responsibility to our customers under the GDPR.

ICO

We are registered

We are registered with the Information Commissioner's Office (ICO) under number ZB05362.6