In reality, not everyone has the dollar to buy a new motorcycle without spreading out the payments. Luckily, plenty of manufacturers understand this, and they offer some neat finance deals to enable us (cash strapped) folks to roll on the latest set of wheels.
What is PCP Finance?
PCP is a finance agreement between yourself and the dealership, meaning in essence you are renting the bike from them during the agreed payment period. At the end of a PCP agreement, you’ll have to the opportunity to either pay the outstanding amount owed - by either paying off in full or refinancing - or you can trade the bike in and finance a brand new motor. The dealer will explain how to stick to the agreement as they are regulated by the FCA (Financial Conduct Authority). Don’t worry, PCP finance isn’t a trap. Stick to the agreement and everything will be gravy.
The alternative, HP finance which has higher repayments and doesn’t require a lump sum to be paid at the end. As soon as you leave the dealership you own the bike. So long as you keep paying the finance on time the motorcycle is yours and you can do with it as you wish.
The best motorcycle and scooter PCP offers
Now that we’ve explained PCP, let’s have a look at some of the best offers that are available right now.
All of the deals below have a payment period of 36 months, deposit amounts of £2,000 [apart from the Vitpilen and Z125] and an annual mileage of 4,000.
2019 Kawasaki Ninja ZX10R (KRT) PCP
Monthly payments (36 months) | £205.38 |
APR | 6.3% |
Total amount payable | £16,524.68 |
Optional final payment | £7,131.00 |
Deposit | £2,000 |
For all the WSBK fans out there, for just over £200 you could have a KRT replica ZX-10R sitting in your garage. The Ninja is just as happy on the road as it is on the track, offering smooth and peaky power right up to the foolish 14k redline.
Click here to find out more.
2019 Suzuki GSX-R1000 PCP
Monthly payments (36 months) | £177.78 |
APR | 0% |
Total amount payable | £16,745 |
Optional final payment | £6,836 |
Deposit | £2,000 |
Say what you will about the Suzuki GSX-R1000. Yes, it might not be the best equipt litre superbike out there, but my goodness can it get a hussle when required. The Suzuki’s 202PS beating heart features MotoGP inspired variable valve timing, which offers increased high rpm performance without negatively impacting the low/mid-range. The final result is addictive.
2019 Honda CBR1000RR PCP
Monthly payments (36 months) | £139.22 |
APR | 0% |
Total amount payable | £15,999 |
Optional final payment | £7,987.19 |
Deposit | £2,000 |
Although the Blade may have a slight power deficiency when compared to other modern litres, it more than makes up for it in build quality and agility. Don’t be fooled by the common narrative that power is everything, sometimes, a more balanced package makes for a better riding experience. The Fireblade is easy to ride and seriously quick in the right hands. Plus for £139.22 a month and a £1,000 deposit contribution, it’s hard not to think about nabbing one.
2019 Yamaha MT-10 PCP
Monthly payments (36 months) | £159.99 |
APR | 6.9% |
Total amount payable | £13,582.14 |
Optional final payment | £5,822.50 |
Deposit | £2,000 |
Equipt with a detuned cross plane crank R1 motor - tuned for extra low to mid-range torque - the MT-10 bit of a monster. In a good way. It makes no secret of the fact it’s spawned from the dark side of Japan, certified by its futuristic and aggressive front end MotoGP-like engine note.
2019 Suzuki Katana PCP
Monthly payments (36 months) | £118.90 |
APR | %4.9 |
Total amount payable | £12,730.40 |
Optional final payment | £6,450.00 |
Deposit | £2,000 |
Suzuki goes back to the future once again with the 150PS 999cc inline-four engined Katana. Whether you like or loathe the Katana’s exterior, it certainly makes an impression - paying homage to the classic.
2019 Yamaha XSR700 PCP
Monthly payments (36 months) | £81.83 |
APR | 6.9% |
Total amount payable | £8,118.38 |
Optional final payment | £3,172.50 |
Deposit | £2,000 |
The XSR is a modern retro naked with the simular DNA to the very popular MT-07. Sharing the same 689cc cross plane crank parallel-twin motor, the XSR is a smooth, fun, and manageable package. With no traction control, it will appeal to those who like a bike to be trendy looking and uncomplicated to operate.
2019 Svartpilan 701 PCP
Monthly payments (36 months) | £99.15 |
APR | 9.9% |
Total amount payable | £8,405.90 |
Optional final payment | £1,406.90 |
Deposit | £1,139.00 |
Although the APR is high, you get a free Akrapovic slip-on exhaust, and £1,900 knocked off (which balances out the high APR). Plus you get the kudos of riding around one of the most alternative looking motorcycles out there. If your into that sort of thing...
2019 Suzuki V-Strom 1000 PCP
Monthly payments (36 months) | £112.52 |
APR | 3% |
Total amount payable | £11,060.72 |
Optional final payment | £5,010 |
Deposit | £2,000 |
Nothing quite beats the raw grunt of a 1037cc V-twin. With 101PS and 101Nm of torque, the V-Strom 1000 would make a great go-anywhere motorbike. This machine is a workhorse through and through, and it has advanced electronic gizmos to make riding it an absolute breeze. The addition of a 6-axis IMU, traction control, and a Motion Track Brake System brings the V-Strom into the 21st century.
You’ll also get 500 quids worth of accessories with your new V-Strom, free of charge.
2019 Honda CRF1000L Africa Twin PCP
Monthly payments (36 months) | £127.90 |
APR | 0% |
Total amount payable | £11,999 |
Optional final payment | £5,394.55 |
Deposit | £2,000 |
With the announcement of the 2020 CRF1100L there are now deals to be had on the 2019 model. Don’t be afraid to go into your local Honda dealer and haggle for a 2019 CRF1000L. It’s still a very capable dual-sport motorcycle with a heritage spanning right the way back to 1988.
Read more about the Africa Twins history by clicking here.
2019 Kawasaki Z125 PCP
Monthly payments (36 months) | £57.17 |
APR | 6.3% |
Total amount payable | £4,746.12 |
Optional final payment | £1,688 |
Deposit | £1,000 |
It would be unfair not to chuck on a learner legal bike into the mix, and there’s no better than the Z125. It’s nimble, easy to ride, looks the part, and will only cost you £57.17 a month. And there’s a special introductory deal available at dealerships too. After riding this machine at its launch I couldn't recommend it more highly to a learner, or to someone who wants a well priced, fuel-efficient runaround.
Click here to find out more.
