Ducati Financial Services PCP Finance Explained
In association with Black Horse Ltd, Ducati UK are pleased to offer Ducati Financial Services PCP - an affordable** option to ride your new Ducati.
Ducati has constantly reacted to customer needs by not only producing market challenging products but also by making our motorcycles more affordable. This has been done by reducing service costs, extending service intervals and by offering a range of Ducati finance options that make the dream of riding a Ducati a reality - Ducati Financial Services, a Personal Contract Purchase Plan.
What are the benefits of the Ducati Financial Services with Ducati Finance?
A Personal Contract Purchase agreement can offer you lower monthly repayments as a significant proportion of the total amount payable is deferred to the end of the agreement and is payable by an optional final repayment. You agree your Ducati, an initial deposit, how many miles you are likely to ride each year and how long you want the agreement to run for.
The final repayment is based on our predicted value of your Ducati based on this information and is often referred to as the GFV (Guaranteed Future Value).
The deposit and predicted value are deducted from the price of your Ducati and the remaining balance and interest provides you with low fixed monthly repayments. Interest is payable on the price of your Ducati less the deposit.
Flexible choices at the end of the agreement.
- Part exchange the bike for a new one*** - you can use any equity towards another motorcycle
- Return the bike to Ducati Finance - If the motorcycle is in good condition and has not exceeded the allowed mileage you will have nothing further to pay. If the motorcycle has exceeded the allowed mileage a charge for excess mileage will apply.
- Pay the outstanding finance and own the bike outright.
For those motorcyclists that want to ride the newest Ducati, keep their options open and be able to budget to achieve their motorcycling dream, then Ducati Financial Services is a way to make the desirable affordable.
Want to know more? Get a quote now
** Your regular monthly payments are low because it is the nature of a PCP product that a significant proportion of the total amount payable is payable at the end of the contract by one large final repayment.
*** Subject to settlement of your existing agreement; new finance agreements are subject to status.
Credit is subject to status and only available to UK residents aged 18 and over. Finance example is correct at time of quoting and may be subject to change.
Ducati Financial Services Personal Contract Purchase and Ducati Financial Services Hire Purchase are only available through Ducati Finance, a trading style of Black Horse Limited, St William House Tresillian Terrace, Cardiff, CF10 5BH.
With Ducati Financial Services 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 allowed 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.
(3) part exchange the motorcycle subject to settlement of your existing finance agreement; new finance agreements are subject to status.
Ducati UK Ltd, Unit 7 Technology Park, Silverstone Circuit, Silverstone, Towcester, Northamptonshire, NN12 8GX
Company registration number: 03871825 / VAT number: 05113870967
Ducati UK Ltd is authorised and regulated by the Financial Conduct Authority; our reference number is 726985.
© Copyright 2025 Ducati UK Ltd. All rights reserved
The Supreme Court made a ruling on 01 August 2025 relating to Motor Finance cases
If you’ve already submitted a complaint about potential motor finance commission, we continue to manage these in line with the latest Financial Conduct Authority (FCA) guidelines. If the FCA makes any updates that affect this, we will let you know.
Information about the FCA motor commission complaints handling pause
On 11 January 2024 the Financial Conduct Authority (FCA) announced their intention to review historical motor finance discretionary commission arrangements (DCA) across the motor finance industry. Due to this, they paused the requirement to respond to complaints involving DCAs.
On 19 December 2024 the FCA extended their pause to include motor finance complaints where a non-discretionary commission arrangement (non-DCA) was involved.
Temporary changes to complaint time limits for DCA and non-DCA complaints:
- The complaint handling pause has been extended to after 4 December 2025. This means they’ve paused the eight-week deadline to respond to certain complaints about motor commission and you won’t be able to ask the Financial Ombudsman Service to look at your complaint, until after the pause has ended.
- You will have more time to refer complaints to the Financial Ombudsman when a final response is issued. Instead of the usual 6 months, you have until 29 July 2026, or 15 months from the date of the final response letter, whichever is later. The timelines will be confirmed in the final response letter we send you.
- The FCA intend to set out next steps in their DCA review in May 2025. They hope to also provide an update on non-DCA commission complaints at the same time.
