motodam

Financing.

Buy from us and pay in fixed monthly instalments. We do not provide credit ourselves: the application runs through a financing partner, which also makes the offer.

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Calculate.

Fill in the purchase value, your down payment, the term and any balloon payment, and you will see roughly what the monthly instalment becomes.

The calculator below belongs to our financing partner financiallease.nl. What you enter reaches them, not us. The outcome is indicative; the final offer and the terms come from the financier, after your application has been assessed.

We do not provide credit ourselves and hold no AFM licence. Applications run through financiallease.nl (private buyers via ROS Finance, which holds its own licence) or through DTC Lease.

Down payment, term and balloon payment

With these three choices you see how the monthly amount changes. The vehicle price and interest also count.

Down payment (aanbetaling)

What you put in yourself at the start. That can be cash, but also the value of a motorcycle or car you trade in with us.

Effect on monthly amount

The higher the down payment, the lower your monthly instalment.

Term (looptijd)

The number of months over which you repay, in practice 12 to 72. The financier also looks at the age of the vehicle.

Effect on monthly amount

A longer term lowers the monthly instalment, but you pay more interest in total.

Balloon payment (slottermijn)

A part of the purchase price that you do not repay monthly, but pay in one go at the end of the term.

Effect on monthly amount

Lowers your monthly instalment. You pay the balloon payment at the end in one go. Discuss with the finance company in advance what options there are if you want to refinance or trade in.

Application.

For a business application the financier usually asks for these documents.

  • Valid ID of the authorised signatory.
  • A recent extract from the Chamber of Commerce (KvK).
  • Recent statements from your business bank account.
  • The vehicle details: registration, version and price. We supply those.
  • For an established business, possibly annual figures or your most recent tax returns.
  • How much you are putting down, and whether you are trading in a vehicle.
Ask us on WhatsApp

Gather the requested documents before you send the application. The finance company will let you know if anything is missing. We reply to your message within 24 hours.

If the application is declined

It happens, for instance because of your payment history, the age of your business or the vehicle itself. Sometimes the application still goes through with a higher down payment or a shorter term. If it does not work out, you can still buy the vehicle another way, or we look together at a motorcycle or car that fits your budget better. An application that does not go ahead costs you nothing with us.

Financing on a vehicle from our own stock

This route applies to a motorcycle or car from our own stock; we pass the vehicle details straight to the financier. Have you found something elsewhere? Ask us: sometimes we can source the same motorcycle or car for you.

Browse our motorcyclesBrowse our cars

Financial lease.

Financial lease is a business way to buy a vehicle without paying the whole amount at once. You drive from day 1 and are the economic owner; the finance company remains the legal owner until the last instalment is paid. After paying all instalments, including any balloon payment, you become the full owner.

The vehicle itself is the collateral for the financing, which is why the financier looks at the year, the mileage and the residual value as well as at your business. There is no mileage limit and you decide yourself where the vehicle is serviced.

Pros and cons at a glance

Pros

  • You drive straight away, without paying the full amount at once.
  • Fixed monthly instalments, so you know in advance what you pay each month.
  • After the final instalment the vehicle is fully yours.
  • No mileage limit.
  • You choose where the vehicle is serviced.

Cons

  • You pay interest on the financed amount.
  • You are committed for the full term, including in a month when business is slow.
  • Early repayment is usually possible, but sometimes for a fee.
  • The vehicle is the collateral, so you cannot sell it freely while the contract runs.

What you need: a Dutch Chamber of Commerce (KvK) registration and an authorised signatory who can show ID.

Depreciation and reclaiming VAT are often possible. What applies in your situation is one for your accountant; we do not give tax advice.

You can also take financial lease with us as a private individual. The construction is the same as for business: you pay fixed monthly instalments, you are the economic owner from day one and after the final instalment the motorcycle or car is fully yours. Maintenance, insurance and road tax are yours to arrange, as with a vehicle you buy outright.

For private individuals this is consumer credit. The application runs through ROS Finance, the private arm of our financing partner, under their licence. They check your income and creditworthiness. We do not provide credit ourselves.

Pros and cons at a glance

Pros

  • Fixed monthly instalments, so you know in advance what you pay each month.
  • After the final instalment the motorcycle or car is fully yours.
  • No mileage limit, and you choose where the vehicle is serviced.
  • Unlike private lease you build something up: the vehicle becomes yours.

Cons

  • You pay interest on the financed amount.
  • Maintenance, insurance and road tax come on top of the instalment.
  • You are committed for the full term; early repayment is usually possible, sometimes for a fee.
  • The vehicle is the collateral, so you cannot sell it freely while the contract runs.

"Let op! Geld lenen kost geld." This is the mandatory Dutch credit warning: borrowing money costs money.

A consumer loan is registered and checked with the Dutch credit register BKR.

Questions.

Can I finance a used vehicle?

Yes, almost everything we sell is used and financing is perfectly possible for it. The financier does look at the year and the mileage; on an older motorcycle or car the term is often shorter.

What is the difference between financial lease and operational lease?

With financial lease you buy the vehicle and after the last instalment it is fully yours. With operational lease you rent: the leasing company stays the owner and usually includes maintenance, insurance and a mileage budget. We refer you on for financial lease.

Can I include the VAT in the financing?

Usually not. For a VAT vehicle the amount excluding VAT is financed and you pay the VAT yourself before delivery. Whether you may deduct the VAT depends on your situation. For a margin-scheme vehicle this does not apply.

I am a starting entrepreneur, is that possible?

It is possible, and some financiers accept an application without annual figures. A short track record does more often mean a higher down payment or a shorter term. Whether it works in your case is for the financier to say.

What happens at the end of the term?

Without a balloon payment the vehicle is yours after the last instalment. You pay the balloon payment at the end in one go. Discuss with the finance company in advance what options there are if you want to refinance or trade in. What exactly is allowed is in the finance company's contract.

Can I repay early during the term?

Most contracts allow it, but there can be a fee, because the financier misses out on interest. The conditions are set out in the agreement; if you expect to repay early, ask about it before you sign.

Is this registered with BKR?

A consumer loan is: it is registered with the Dutch credit register BKR in Tiel, and your existing credits are checked there during the application. For business financial lease in a company's name that is generally not the case, although a financier may still check the person behind the company.

Do I have to make a down payment?

Not always, but the financier can ask for it, for instance with a young business or an older vehicle. A down payment lowers your monthly instalment, and a motorcycle or car you trade in with us can serve as that down payment.

Let's go through what is possible

Tell us which vehicle you have in mind and whether you are buying through your business or privately, and we will line your application up with the right partner.

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