Car With Bad Credit

Car With Bad Credit logo

125cc Motorbike Finance

125cc Motorbike Finance

125cc Motorbike Finance: The Ultimate Guide to Easy and Affordable Ownership


Welcome to our comprehensive guide on 125cc motorbike finance! If you’re looking to own a 125cc motorbike without breaking the bank, you’ve come to the right place. In this article, we’ll walk you through all the essential information you need to make an informed decision and find the best financing options available. Whether you’re a seasoned rider or a newbie, we’ve got you covered.

Why Choose a 125cc Motorbike?

Before we delve into the financing details, let’s quickly highlight why a 125cc motorbike might be the perfect choice for you. These bikes offer an ideal balance of performance, fuel efficiency, and maneuverability. They are ideal for daily commuting, especially in busy city traffic, and are a popular choice among new riders due to their ease of handling.

125cc Motorbike Finance

Exploring Your Finance Options

When it comes to financing your 125cc motorbike, you have several options to consider. Understanding each choice will help you make the best decision for your financial situation. Here are the main options available:

1. Dealer Financing

Many motorbike dealers offer in-house financing solutions to their customers. This option is convenient as you can handle everything in one place, from selecting your dream bike to finalizing the finance paperwork. However, it’s essential to compare the interest rates and terms with other financing options to ensure you’re getting the best deal.

2. Bank Loans

Traditional bank loans are another avenue to finance your 125cc motorbike. They usually come with competitive interest rates, and if you have a good credit score, you may qualify for additional perks. Don’t forget to factor in any additional fees or charges that may apply.

3. Credit Union Loans

Credit unions often offer more favorable interest rates than banks. If you’re a member of a credit union, exploring their loan options is a wise move. Credit unions are known for their customer-centric approach and may provide flexible repayment terms.

4. Personal Loans

Opting for a personal loan is an excellent choice if you want more flexibility in using the funds. While the interest rates might be slightly higher compared to other options, you can use the loan for various purposes beyond just purchasing the motorbike.

5. Online Lenders

The rise of online lenders has brought convenience to the financing process. Shopping for loans online allows you to compare multiple offers quickly. Ensure you review the terms and conditions, interest rates, and any hidden fees before finalizing the deal.

Tips for Getting the Best Finance Deal

Securing the best finance deal is crucial to ensuring affordable ownership of your 125cc motorbike. Here are some essential tips to help you get the most favorable terms:

1. Check Your Credit Score

Before applying for finance, check your credit score. A higher credit score can lead to lower interest rates and better loan terms. If your score needs improvement, consider taking steps to boost it before applying.

2. Compare Interest Rates

Don’t settle for the first offer you receive. Shop around and compare interest rates from various lenders. A small difference in interest rates can have a significant impact on your monthly payments.

3. Negotiate the Terms

Don’t be afraid to negotiate with the lender. Sometimes, you can secure a better deal by simply asking for it. If you have a good credit history or a steady income, you may have more leverage during negotiations.

4. Consider Down Payment

If possible, consider making a down payment on the motorbike. A down payment can reduce the loan amount and potentially lower the interest you’ll pay over time.

5. Read the Fine Print

Thoroughly read and understand all the terms and conditions of the loan agreement. Be aware of any hidden fees or penalties that might be buried in the fine print.

Motorbikes available on finance

Start your application now!


Owning a 125cc motorbike can be an exciting and cost-effective way to navigate through your daily commute. When it comes to financing, exploring various options and being informed about the process is key to finding the best deal. Consider your financial situation, credit score, and preferences before making a decision.

Remember, financing a motorbike is a significant commitment, so take your time to research, compare, and negotiate. By following the tips and advice provided in this guide, you’ll be well-equipped to secure the most affordable ownership of your dream 125cc motorbike. Happy riding!

Scroll to Top