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Financing your triumph

Financing Your Triumph



You just want to ride, to help you with this we have two finance options available to get you moving.

So we've put together two straightforward options to keep things simple for you. All are available via Triumph TriStar, provided by industry experts Black Horse Limited, and you can finance all or part of your next new or used Triumph, including any bolt-on accessories that you've added.

Take a look at the options or ask for details the next time you're talking to your Triumph dealer

Personal contract purchase (pcp)

Riders love control, and if you are looking for lower monthly payments you could consider our Tristar PCP (Personal Contract Purchase) product, which allows you to hand your bike back at the end of the term.


Once you’ve found your dream bike. Decide on a deposit, term and how many miles you’ll ride a year. Your monthly repayments will be calculated along with the Optional Final Repayment.

You have the option of taking the finance over two to four years to suit your budget.

Once you’ve arranged the finance with your Triumph dealer and checked the finance documentation, you sign on the dotted line and ride away.




The monthly repayments are lower than a HP agreement as a proportion of the amount to repay is deferred into the Optional Final Repayment. You will pay more interest on a PCP agreement than a HP agreement for the same loan amount, term and APR as your balance reduces more slowly due to the optional final repayment.

And for an example quote visit our configurator.


You will be given a guaranteed future value for the bike at the time of purchase, so at the end of the agreement, you have three options:




Return the motorcycle and not pay the Optional Final Repayment. Excess mileage and damage charges could apply - fair wear and tear accepted.




Pay the Optional Final Repayment and own the motorcycle




Part exchange the motorcycle for a new one*




HIRe purchase (HP)

Hire purchase deals are designed to help you spread the cost of purchasing a brand new Triumph motorcycle. When the final repayment has been made, the motorcycle is all yours.

With Triumph Tristar Hire Purchase, you can: Pay an initial deposit, ride away and make regular monthly payments. After the last payment, the bike’s all yours.

Choose any new or used Triumph that's up to ten years old and decide how long you want to make regular payments, between one and five years**.

And for an example quote visit our configurator. 

Credit is available subject to status for UK residents aged 18 and over.


*New credit agreements are subject to status.

Credit is subject to status, UK residents aged 18+. Triumph TriStar is a trading style of Black Horse Ltd, St William House, Tresillian Terrace, Cardiff, CF10 5BH.
Triumph Motorcycles Ltd is a credit broker and not a lender. Triumph Motorcycles Ltd introduces you to a dealer which acts as a credit broker in its own right. That dealer may go on to introduce you to Black Horse Ltd as lender. Triumph Motorcycles Ltd will receive a payment as result of these introductions. This will be a percentage of advance. This means the more you borrow, the more commission we receive. Triumph Motorcycles Ltd will also receive a payment from Black Horse Ltd to help with the cost of promoting its products. The payments will be the same, no matter what interest rate that you pay.
With TriStar Personal Contract Purchase you have the option at the end of the agreement to:
(1) Return the motorcycle and not pay the Optional Final Repayment. If the motorcycle is in good condition (fair wear and tear accepted) and has not exceeded the maximum agreed mileage you will have nothing further to pay. If the motorcycle has exceeded the maximum agreed mileage a charge of 7.2p (including VAT at 20%) will apply per excess mile. (2) Pay the Optional Final Repayment to own the motorcycle or (3) Part exchange the motorcycle subject to settlement of your existing finance
Quotes are indicative and may be subject to change. Quotes are not an offer of credit. Please ensure you can afford the monthly repayments before entering into a finance agreement.

**The oldest your Triumph can be at the end of your agreement is 14 years for HP and 6.5 years for PCP.







Both HP and PCP allow you to pay for your motorcycle in monthly payments over an agreed period, with a fixed rate of interest. The key difference is what happens at the end of each contract.

With a HP contract, you’ll own the motorcycle after making the final payment. 

At the end of a PCP contract, you can either hand the motorcycle back to the lender, part exchange it for a new one, or pay the final repayment (including any purchase fee) to keep the motorcycle. New finance agreements are subject to status and affordability checks. If you hand the motorcycle back at the end of a PCP agreement, there may be extra charges if you go over the agreed annual mileage or if the motorcycle has damage over fair wear and tear.

The lump-sum is a one-off optional payment due at the end of your (PCP) finance term, if you decide to keep the motorcycle.

This is normally referred to as the Guaranteed Future Value (GFV) and is an estimated value of how much the motorcycle will be worth at the end of a finance agreement (based on your expected mileage and agreement term). The GFV is not applicable if you intend to hand the motorcycle back at the end of the agreement as part of the goods return option. 

There’s no lump sum payment on the (HP) finance option, which is why monthly payments are usually higher than with the (PCP) option.

APR stands for Annual Percentage Rate and is the amount of interest on your total borrowed amount that you'll pay annually (averaged over the full term of the loan). APRs are typically used when comparing finance options to understand which would be the cheapest option overall.

Rate of interest of the amount of credit per annum, fixed for the duration of the agreement.

Yes, you can. Whether you have a HP or PCP agreement, you have the right to end your agreement at any time by paying off the remaining balance in full.

You also have the right to voluntary terminate your agreement. You will need to return the motorcycle and half of the total amount payable as detailed on your agreement documentation. If you have already paid at least this amount plus any overdue repayments and have taken reasonable care of the motorcycle, you will not have to pay any more.

If you want to pay off your HP agreement early, you’ll own the motorcycle outright but may need to pay an early settlement fee.

For a PCP agreement, the motorcycle’s mileage and condition will need to be line with your terms and conditions.

Potential fees at the end of your agreement

  • £10 Purchase fee - This is optional, but you must pay it if you want to become the owner of the vehicle. It is included in the Final Repayment.
  • Excess mileage fees - Applicable on PCP and PCH only if you choose to return the vehicle at the end of your agreement instead of paying the final repayment sum. If you have exceeded the agreed mileage allowance, you will need to pay an excess mileage charge. You can avoid this by agreeing a realistic mileage at the outset.
  • The vehicle must be in good condition, you will be charged for any repairs outside the acceptable fair wear and tear if this is not the case. You can avoid these charges by taking good care of the vehicle.

During your application, we'll need your personal details, financial information, employment details, address history.

When you apply for finance, there will be a check on your credit profile, and we need your personal details to do this.

Your finance offer is valid for xx days/hours. You'll need to pay your deposit within this time, otherwise the motorcycle you've chosen may go back up for sale on our website.

When you apply for finance, a lender will run a 'credit check’ which leaves a mark on your credit report. Too many credit checks over a short period can affect your credit score for six months, which could reduce your ability to get approved for credit.

We’ll give you an instant finance decision wherever possible, but sometimes it may take longer. We’ll keep you updated on your application’s progress.