Sell A Motorbike With Outstanding Finance

If your bike is on HP or PCP, the finance company technically still owns it until the agreement is settled, which is why private buyers tend to run a mile. It is a completely normal sale for us - we do it constantly, and the process is designed to protect you.

You ask your lender for a settlement figure, we pay that amount directly to them, and anything left over from the agreed price comes to you by bank transfer. If the settlement is higher than the bike is worth, you can pay the difference and still move it on cleanly rather than staying stuck with it.

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What We Buy

How the finance side works

Four steps, and we handle the parts that involve your lender.

Get your free quote as normal Request a settlement figure from your lender Send it to us with your agreement details We pay the lender directly Any balance goes to you same day Lender confirms the agreement is closed Free collection once settled Nothing to pay upfront

Getting The Best Price

What to know before you start

The more we know upfront, the firmer the offer — and the less chance of it changing when we collect.

Settlement figures expire

Lenders usually quote a figure valid for a set period, often around 28 days. Request yours around the time you get your quote so the numbers line up.

Negative equity is common

If you owe more than the bike is worth, the shortfall is yours to cover - but you can pay it and still sell, which is often cheaper than keeping the agreement running.

We pay the lender, not you

The settlement amount always goes straight to the finance company. That protects you from ending up with the money but still owing the debt.

The agreement must be in your name

We can only settle finance for the registered keeper and agreement holder. If the bike is in someone else's name, they need to be part of the sale.

Common Questions

Sell A Motorbike With Outstanding Finance — your questions answered

Not privately without settling it first - the lender has a financial interest in the bike until the agreement ends. Selling to a buyer who settles the finance directly, as we do, is the normal and legal route.

That is negative equity. You pay the difference between our offer and the settlement figure, the agreement closes, and the bike goes. Plenty of people do this to get out of an agreement they no longer want.

Contact your finance company and ask for one - most provide it through their app or online account within minutes. It tells you exactly what is needed to close the agreement.

Something not covered here? Read the full FAQ or talk to the team.

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