Buy Used Motorbike on Finance – Is It Worth It in 2026?
Buy Used Motorbike on Finance – Is It Worth It in 2026?
Motorbikes can be expensive, but that doesn’t mean they have to be completely unattainable on a budget. Financing, which is when you buy used motorbike using credit and spreading the payments over time. That way, you don’t have to have a load of cash upfront to buy your next ride.
So, is a finance motorbike deal a good idea in 2026? Let’s get into what we advise, the pros and cons of motorbike financing, and when to do it and not to do it.
Why More Riders Are Choosing Used Bikes in 2026
New bikes are amazing - when you can afford them. Used bikes offer a much more affordable alternative without having to compromise on quality. When you purchase from a reliable seller, such as BigMoto, you don’t risk buying poorly-maintained bikes.
All the bikes are accurately valued and checked, so you can rest assured that when you buy used motorbike from BigMoto, you’re not buying a damaged bike that’s going to break within days.
In most cases, a bike that’s a couple of years old will hold up the same as a new bike, but can be a fraction of the cost. Paired with flexible motor bike finance options, opting for a used bike is a financially savvy choice.
What is Motorbike Finance?
Motorbike finance allows you to spread the cost of your bike over time, instead of purchasing it outright in one cash payment. This makes higher-quality used and new bikes alike more accessible since you don’t have to find the money immediately.
To finance motorbike, you’ll agree to monthly payments that typically include interest. While this does mean you’ll pay slightly more overall than if you didn’t opt for motorbike finance, it’s a great option for riders who can’t otherwise afford to buy a bike outright.
You’ll typically need to go through a credit check to buy used motorbike with finance, but even if you have a poor credit score or complex credit history, BigMoto can help find you a deal.
Why Buy a Used Motorbike on Finance?
Considering buying a used motorbike on finance in 2026? Here are the reasons it’s a good idea.
Lower Monthly Payments
Used bikes are cheaper than new ones, which means your monthly payments will typically be lower than buying a new bike, even with interest included. That’s great news if you want to ride something high-spec without blowing your budget.
More Bike for Your Money
Financing allows you to afford a better model or higher spec than if you were buying outright with cash. You could ride away on something newer, faster, or more reliable than you expected since you’ll be able to split the cost over months or even years.
Flexible Terms
Many finance providers now offer flexible agreements that allow for early settlement, low deposits, and repayment terms from 12 to 60 months. This makes it easier to tailor the deal to your financial situation. You will also have the option of different financial repayment amounts depending on the amount you borrow.
Keep Cash in the Bank
Instead of draining your savings, finance a motorbike and keep your cash for emergencies, investments, or everyday expenses. That way, you won’t miss a huge amount of money in one go.
When Should You Not Buy a Used Motorbike on Finance?
If you’ve got the cash to buy a new or old motorbike, you might decide to go for an upfront payment instead of finance. That way, you don’t have to rely on making payments monthly; you can simply finish the financial transaction in one day. Plus, you won’t have to pay any interest.
It’s also not a good idea to opt for bike financing if you know you won’t be able to pay back the bike over time. If your finance motorbike would cost you £200 per month, but you typically end the month with nothing leftover, adding another monthly financial burden wouldn’t be a good idea.
To figure out whether you can afford motorbike finance, make a budget, taking into account how much you spend monthly on necessities such as food, rent, and existing credit agreements. You can use BigMoto’s tool to see how much you can expect to borrow and how much you’d pay back monthly.
How BigMoto Can Help
At BigMoto, we do more than just help people find new and used motorbikes (and sell theirs), we can also organise motor bike finance for our buyers.
Even if you have a complicated credit history, we’ll do our best to secure you finance for your next purchase. All it takes is a few minutes of your time, and we can set you up with a finance plan on your next used motorbike that works for you.