Financing your Triumph should feel simple, flexible and tailored to the way you ride. At Destination Motorcycles, we provide a choice of finance options designed to make owning your next bike – new or used – more accessible. You can spread the cost through monthly payments that suit your budget, and our team is on hand to explain your choices, answer questions and support you throughout the process, whether you prefer to buy in‑store or complete everything online.

What is Personal Contract Purchase (PCP)?
PCP is a popular way to enjoy a newer Triumph with lower monthly payments than many traditional finance plans. Instead of paying for the full value of the motorcycle, your instalments cover the predicted depreciation over the length of your agreement. When the term ends, you can decide whether to return the bike, part exchange it or make the optional final payment to take ownership. Agreements typically run from 18 to 48 months.

How does PCP actually work?​

You begin by choosing the Triumph you want and estimating your annual mileage. A deposit is usually required, although in some cases a £0 deposit may be available subject to status. Your monthly payments remain fixed for the duration of the agreement, usually between one and four years. When the term ends, you can:

  • Keep the bike by paying the final optional instalment.
  • Trade the bike in for another Triumph.
  • Return the bike with nothing further to pay provided mileage and condition standards are met.

The motorcycle must usually be no more than seven years old at the end of the agreement, and minimum or maximum finance amounts may apply.

What are the advantages of PCP?

PCP offers lower monthly payments than many other finance options, along with the freedom to choose what happens at the end of your agreement. It also gives you the opportunity to ride newer Triumph models more often, with fixed monthly costs that make budgeting easier.

What should you consider when option for a PCP?

Mileage limits apply, and the motorcycle must meet fair wear and tear guidelines if you choose to return it. You’ll need to pay the optional final payment if you want to take ownership at the end of the term.

Can I settle my PCP agreement early?

Yes. You can request a settlement figure at any point if you decide to clear the remaining balance sooner. Our team can guide you through the process.

What is Hire Purchase (HP)?
HP is a straightforward route to owning your Triumph outright. You pay an initial deposit followed by fixed monthly instalments that cover the full value of the motorcycle. Once the final payment is made at the end of the agreement, the bike is yours. This option suits riders who want clear, predictable payments and full ownership at the end of the term.

How does HP actually work?​

Choose the new or used Triumph you want to finance, then decide on your deposit – £0 deposit may be available subject to status. You’ll make fixed monthly payments over an agreed period, usually between one and five years. When the final instalment is paid, including a £10 purchase fee, ownership transfers to you.

What are the advantages of HP?

HP offers a simple structure with fixed monthly payments and no mileage restrictions. Because the full value of the motorcycle is repaid during the term, you automatically own the bike once the agreement ends.

What should you consider when option for a HP?

Monthly payments are generally higher than PCP because you’re financing the entire cost of the motorcycle. Ownership transfers only when the agreement has been fully repaid.

Can I settle my HP agreement early?

Yes. You can request an early settlement figure at any time if you want to pay off the remaining balance and complete the agreement sooner.

NEED HELP CHOOSING YOUR NEXT MOTORCYCLE?

Whether you’re exploring your first Triumph or upgrading to your next one, our teams in Hampshire and Dorset are ready to help. From finance guidance to model recommendations, we’ll support you through every stage of the journey.

Contact Destination Triumph Dorset or Destination Triumph Solent today to get started.