Motorcycle Finance - Ride of Your Dream Bike

When it comes to financing a motorbike, it is crucial to understand the right financing option. It can be challenging to choose the one tailored to your needs, but FinanceForCash can help you fulfil your dream.

When you choose us to finance your motorbike, you are in a position to have a clear idea of the total cost of the loan you will incur.

Our Motorcycle Finance Deals in Ireland

  • Zero down payment
    When you take out a loan to buy a motorbike or car, a lender requires you to make a deposit, which is at least 10% of the value of a vehicle. We understand that not all buyers can arrange a deposit size, and therefore we have a zero down payment method. Securing such loans is more accessible and hassle-free. You can repay your loan over two to six years. You can treat these loans as personal loans for motorcycle.
  • Hire purchase (HP)
    Hire purchase aims at those buyers who have the potential to make a deposit size, which is at least 10%. You will pay the remaining balance along with interest in fixed equal monthly instalments. Once you settle all dues, you will get the title of your motorbike.
  • Residual purchase agreement
    This agreement works differently from HP. You will have to pay down a small portion of the loan every month for two to six years and one large payment (also known as a balloon payment) at the end of the term. Here is the twist:
    • If you make the balloon payment, you will get the title of your motorbike, or you can also refinance it to extend the payment term.
    • If you do not want to make the final payment, you will have to return the car to us. You will not be entitled to further payments provided no monthly instalments are outstanding, or you can replace your existing motorcycle with the new one.

Who is Eligible for Motorbike Finance Deals?

To qualify for a motorcycle loan, you need to meet the following conditions:
You must:-

  • Be at least 18-years-old
  • Be the citizen of Ireland
  • Have a valid driving licence
  • Have a functional bank account
  • Have a full-time job (The self-employed can also apply. You will need to submit two years of income statement to prove repaying capacity)

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How Does Motorcycle Finance in Ireland Work?

Before you apply for motorcycle finance in Northern Ireland, you should do your research for the bike that suits your needs. If you are financing a used motorbike, make sure that it is free from the risk of repossession. Once you have done all these formalities, you are to carry out a small task.

  • Fill out the application form.
  • Wait for 30 seconds to qualify the pre-approval stage.
  • We will run a soft credit check to assess your details.
  • If approved, you will get money within 10 seconds.

Do Motorcycle Loans with Bad Credit Exist?

If you evaluate the market trend, no lender will let you borrow money if you have a bad credit rating. A good credit score plays a significant role to help a lender decide whether to sign off on your application or not. An impaired credit standing shows a higher default risk, and hence you may not qualify for a motorcycle loan.

FinanceForCash provides motorcycle loans with bad credit. Even if your credit rating is less-than-perfect, you can get money without hassle, BUT:

  • Interest rates will be higher than good credit borrowers.
  • You will choose between only two financing options – Hire purchase and residual purchase agreement.

Unsecured motorcycle loans are not available for bad credit people.

What should you consider before choosing a financing option?

If you opt for an unsecured motorbike loan, you do not have to fear to lose your bike. From the first day of financing, you will have the title of your motorcycle.

If you opt for HP AGREEMENT, you will have the following benefits and drawbacks:


  • There is no restriction on the usage of a motorbike, including unlimited mileage.
  • You can settle the full loan early without paying any penalty.


  • Monthly instalments may be higher.
  • You may lose your motorcycle if you fall behind repayments.
  • You will not get the title until you pay off all dues.

If you opt for RESIDUAL PURCHASE AGREEMENT, you will have the following benefits and drawbacks:


  • Monthly instalments are lower than personal loans and HP.
  • You have the choice either to pay the balloon payment or to return the car.


  • This funding option may prove expensive as you will have to pay extra charges for excessive mileage and damage.
  • Paying a balloon payment can be quite tricky.

FinanceForCash provides motorbike loans at competitive interest rates. Give us a call. We will help you get the best deal.

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