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How finance works on Auto Trader
Simply shop for your next bike on Auto Trader and use the calculator on our adverts to quickly work out your monthly payments.
We act as a credit broker which means we don’t offer finance ourselves, but we make it easy for you to apply directly with the retailer.
If you haven't found the right bike yet and want to understand how much you can borrow, use our calculator or get a finance quote with our finance partner Zuto.
bikes available today on finance
See monthly prices upfront
We display monthly prices (based on the representative APR) to help you compare costs whilst you search. Use our filters and tailor browsing to fit your budget.
You can find vehicles on PCP, HP and CS finance depending on the options the retailer offers.
Once you've found the bike you want, we recommend comparing your finance options to ensure you choose the right one for you.
Personal contract purchase (PCP)
With PCP finance, you pay an initial deposit, followed by monthly instalments, but a large portion of the loan is deferred until the end of the agreement. You can pay that final sum to own the bike, hand it back or start another agreement.
Hire purchase (HP)
With HP, you pay a deposit up front, and then pay off the rest of the balance – plus the interest - in equal monthly instalments. You’ll pay an ‘option to purchase’ fee, then the bike is yours at the end of the agreement.
Personal contract hire (PCH)
PCH is another way to finance a bike. It’s technically a method of leasing a bike rather than buying it. You pay a deposit and monthly instalments, which may be lower than some other finance agreements, but you never own the bike.
How Do I Lease a Bike Using Contract Hire?
Contract hires are leasing methods and not a way of financing a bike purchase. It’s a great way of owning a bike with affordable monthly payments, but
Buying A Bike Using Hire Purchase
When you choose to buy a motorbike, you have several options for how you plan to pay for it. One such option is using hire purchase to buy your bike, this
Helping you compare finance options in one place
Whether you’re choosing between HP or PCP, or considering PCH leasing, you can compare different finance options on Auto Trader to find what’s right for you.
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