Motorcycle Finance

PCP Explained:

Flexible finance with a minimal deposit and a GFV - Guaranteed Future Value - on your motorcycle (currently from 1000 to 24000 miles per year).

Even if you don't keep your bike for the full term of the loan, this method of payment is so flexible you can change your bike at any time! You can also make additional payments over and above your monthly instalments.

The main benefits of PCP & Tristar:

It facilitates you changing your motorcycle for a new one every two, three or four years
Your initial deposit is reduced
Your monthly payments are affordable
Your monthly payments are fixed as is the interest rate
There is a minimum guaranteed future value (GFV) on your bike - this provides peace of mind and allows you hand the bike back at the end of the agreement

Based on a 2019 Honda CB125R (18MY) on Personal Contract Purchase

Cash Price £3,299.00, Total Deposit (Details) £330.00, Total Amount of Credit £2,969.00, Agreement Term 49 month,s Annual Mileage 4,000 miles, Excess per mile 4p, Option to Purchase Fee £1.00, First Payment £53.15 47, Payments £53.15, Optional Final Payment £1,253.69, Interest Charges £834.89, Annual Fixed Interest Rate 4.88%, APR 9.9%, Total Amount Payable £4,134.89

Terms & Conditions: Finance is provided by Motonovo Finance, One Central Square, Cardiff, CF10 1FS. This is not a commitment to lend and applications are subject to approval. This indicative quotation is subject to change and final figures will be provided on approval and prior to signing the agreement. ​Shirlaws Ltd is authorised and regulated by the Financial Conduct Authority. We are a credit broker and not a lender. We can introduce you to a limited number of carefully selected lenders and their finance products, which may have different interest rates and charges. We are not an independent financial advisor; we will provide details of products available from lenders that we work with, but no advice or recommendation will be made. You must decide whether the finance product is right for you.

 

Hire Purchase Loan

Fixed interest rates and fixed monthly payments from 12 to 60 months with an affordable minimum deposit of just £99. You are not tied into keeping the bike for the duration of the loan, you are able to change it at any time providing the outstanding loan amount is cleared with Black Horse or MotoNovo Finance. You may also pay additional lump sum payments into your loan at any time which shortens the term or reduces your monthly payments.

Based on a 2019 Honda CB125R (18MY) on HirePurchase

Cash Price £3,299.00, Total Deposit (Details) £330.00, Total Amount of Credit £2,969.00, Agreement Term 61 months, Annual Mileage 4,000 miles, Option to Purchase Fee £1.00, First Payment £0.00, 59 Payments £62.80, Final Payment £63.80, Interest Charges £799.00, Annual Fixed Interest Rate 5.29%, APR 9.9%, Total Amount Payable £4,099.00

Terms & Conditions: Finance is provided by Motonovo Finance, One Central Square, Cardiff, CF10 1FS. This is not a commitment to lend and applications are subject to approval. This indicative quotation is subject to change and final figures will be provided on approval and prior to signing the agreement. ​Shirlaws Ltd is authorised and regulated by the Financial Conduct Authority. We are a credit broker and not a lender. We can introduce you to a limited number of carefully selected lenders and their finance products, which may have different interest rates and charges. We are not an independent financial advisor; we will provide details of products available from lenders that we work with, but no advice or recommendation will be made. You must decide whether the finance product is right for you.

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Shirlaws Ltd is registered in Scotland under company number: SC134694. Registered office address: Ker-An House Wellington Circle, Altens, Aberdeen, United Kingdom, AB12 3JG
Shirlaws Ltd (FRN - 428451) is an appointed representative of The Compliance Guys Ltd which is authorised and regulated by the Financial Conduct Authority (FRN - 941360). We act as a credit broker, not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. (Written Quotation available upon request). Whichever lender we introduce you to, we will typically receive a commission from them (either a fixed fee or a fixed percentage of the amount you borrow), this will not affect the rate you are offered or the amount you will pay back. The lenders we work with could pay commissions at different rates. All finance is subject to status and income. Terms and conditions apply. Applicants must be 18 years or over. We are only able to offer finance products from these providers.

Shirlaws Ltd are registered with the Information Commissioners Office under the registration number: ZA079988

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