Finance

Motorcycle Finance

At CMS Motorcycles Exeter, we make getting on two wheels easy and affordable. We work with trusted finance providers to help you find the best deal to suit your budget, your lifestyle, and your circumstances.

Whether you’re looking for a Royal Enfield, Benelli, Voge, Sym, Keeway or any of our other new or used bikes, we can tailor a finance option that fits you - with clear terms, low monthly payments and expert guidance every step of the way.


Why choose finance?

  • Low monthly payments - spread the cost over manageable instalments.
  • Fixed rates - predictable payments with no hidden surprises.
  • Keep your savings - no need to pay a large lump sum upfront.
  • Peace of mind - any warranty or repair issues are handled safely through your finance agreement.
  • Upgrade flexibility - trade in or change bikes when you’re ready for something new.

Finance made personal

Our friendly team can talk through your options in store or over the phone. We offer a private, comfortable space at our Exeter showroom where we can explain the choices clearly and help you decide what works best. Quotes are completely free and without obligation.

We work with respected motorcycle finance partners to find the right plan for you, whether that’s Personal Contract Purchase (PCP) or Hire Purchase (HP).

Personal Contract Purchase (PCP)

PCP is one of the most popular ways to finance a motorcycle. It gives you the freedom to ride a newer or higher-spec bike with lower monthly payments.

Here’s how it works:

  • You choose your bike, deposit amount, term length, and expected annual mileage.
  • The finance company calculates a Guaranteed Future Value (GFV) – the predicted value of the bike at the end of the agreement.
  • You make monthly payments based only on the amount between your deposit and the GFV.
  • At the end, you have three options:
    • Return the bike and walk away
    • Pay the GFV and keep the bike
    • Trade it in and use any equity towards a new one

Because PCP is based on a smaller portion of the bike’s value, your monthly payments are usually lower than with Hire Purchase.

Hire Purchase (HP)

If you want to own the bike outright at the end of your agreement, HP is the straightforward option. You simply pay a deposit, followed by equal monthly payments over a fixed term.

  • Once you’ve made the final payment, the bike is yours.
  • No balloon payment or mileage limits.
  • Pay off early at any time – often saving money on interest.

HP is ideal if long-term ownership matters to you and you want to spread the cost sensibly.

How to apply

Applying for finance with CMS Motorcycles Exeter is quick and easy:

  1. Find the bike you love.
  2. Speak to our team or request a quote online.
  3. We’ll tailor a finance plan and explain all costs clearly.
  4. Once approved, you can be on the road in no time!

You can also use our finance form here and one of our team will be in touch.

All finance applications are subject to status and affordability checks. Minimum age 18. Terms and conditions apply.

 

Visit us in Exeter

Our showroom is located at:
CMS Motorcycles

Pinhoe Trading Estate

Venny Bridge

Exeter

EX4 8JJ

 

 

Motorcycle Finance in Exeter & Devon

CMS Motorcycles Exeter provides flexible motorcycle finance across Devon and the South West. Whether you’re buying new or used, our expert team can arrange affordable PCP or HP finance for brands such as Royal Enfield, Benelli, and many more. Get on the road with confidence, with fixed monthly payments that fit your budget.

 

CMS Motorcycles is a credit broker, not a lender. We work with selected finance providers and may receive a commission for introducing you to them. All finance is subject to status and affordability. Terms and conditions apply.