Stark VARG Finance in the UK: 2025 Guide to Monthly Payments, Deals & How to Apply

The Stark VARG is one of the most exciting electric dirt bikes in the world right now. Known for its silent performance, instant torque, and cutting-edge design, it’s built for riders who love off-road adventures without the noise or emissions of traditional petrol bikes. In 2025, the VARG has become a game-changer for motocross and enduro enthusiasts across the UK.

However, while its performance is unmatched, the price tag can be challenging if paid upfront. This is where finance plans come in. Financing allows you to spread the cost over manageable monthly payments, making the Stark VARG far more affordable and accessible to riders who don’t want to wait years to save up the full amount.

In 2025, the UK market offers more flexible finance options than ever before, including:

• Dealer Finance (Hire Purchase): Directly through official dealers with fixed APR rates.

• Personal Loans: From banks or online lenders for riders with strong credit profiles.

• 0% APR Promotional Deals: Limited-time offers from select dealers during seasonal events or on demo stock.

With prices starting from around £9,200 for the MX model and £10,990 for the road-legal EX model, many riders are eager to understand exactly how much per month they’d pay, where to find the best finance deals, and what documents are needed to apply.

In this updated 2025 guide, we’ll cover everything you need to know about Stark VARG finance in the UK, including:

• The latest prices and model differences (MX vs EX)

• Real finance examples and monthly payments

• Where to find the best UK dealer offers

• Key requirements to apply for finance

• Benefits, risks, and expert tips to help you choose the right plan

By the end, you’ll have a clear roadmap to owning a Stark VARG in 2025 without breaking the bank.

What is the Stark VARG and Why It’s Popular in the UK

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The Stark VARG is a fully electric motocross and enduro bike designed by Stark Future, a Spanish company that has rapidly become one of the most innovative names in the electric motorcycle industry. It blends the performance of a 450cc petrol motocross bike with clean, silent electric power, creating a riding experience that appeals to professionals, enthusiasts, and newcomers alike.

Key Features:

• Unmatched Power: Adjustable output from 1 HP up to 80 HP, making it suitable for all skill levels.

• Instant Torque: Produces 938 Nm of torque at the rear wheel, delivering rapid acceleration even from a standstill.

• Lightweight Design: At around 110–120 kg, it’s lighter than many petrol bikes, improving handling and control.

• Customizable Ride Modes: Riders can fine-tune power, traction, and engine braking via a smartphone “Stark phone” dashboard, offering over 100 ride settings.

• Quiet Operation: The silent electric motor allows riding in more places without disturbing others or breaching noise limits.

Why It’s Popular in the UK:

1. Rising Demand for Electric Vehicles (EVs): The UK is embracing electric transportation faster than ever. The Stark VARG fits perfectly into this shift towards sustainability and zero-emission riding.

2. Noise Restrictions in Off-Road Areas: Many popular motocross tracks and trails have noise limits, restricting petrol bikes. The VARG’s silent motor allows riders to access more locations without issue.

3. Lower Running Costs: No fuel costs, fewer moving parts, and less frequent maintenance make the VARG significantly cheaper to run and maintain than traditional dirt bikes.

4. Road-Legal Option (EX Model): The VARG EX, launched in 2025, is fully road-compliant (CBT eligible), allowing dual-sport use on roads and trails—perfect for UK riders who want flexibility.

5. Race Approval: The VARG has been cleared for official competition use in categories like MX1, MX2, and Enduro E1-E3, boosting its credibility among professional riders.

6. Cutting-Edge Technology: Integrated app-based controls, advanced battery management, and premium components (KYB suspension, Brembo brakes) appeal to tech-savvy riders.

Industry Momentum in 2025:

• Stark Future achieved €47 million revenue in Q2 2025 and posted its first profitable quarter, proving market demand and production stability.

• A growing dealer network across the UK (Magnet Motos, English Electric Motor Co., Triple D Motorsport) ensures easier access to test rides, servicing, and finance options.

• The EX model’s introduction further widened its appeal, attracting both off-road racers and commuters seeking an eco-friendly, high-performance ride.

Real-World Feedback:

Riders praise its raw power delivery, agility, and silence, allowing more relaxed riding environments and minimal mechanical upkeep. Early adopters highlight the seamless acceleration and reduced fatigue due to lack of clutching and gear changes.

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How Much Does the Stark VARG Cost in the UK in 2025?

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Stark VARG MX (Off-Road Only)

• Price: Around £9,200 on the road, including VAT.

• Specs: 6.5 kWh battery, about 118 kg weight, and up to 6 hours of trail riding per charge.

Stark VARG EX (Road-Legal)

• Price: Around £10,990 for the 60 HP model.

• The higher 80 HP version can go up to £11,900 depending on the dealer.

• The EX model includes full road-legal features like lights, mirrors, and horn.

Used bikes listed on platforms like AutoTrader are priced similarly: MX models around £9,200–£9,999 and EX models £10,900–£11,900.

Dealer Finance Examples

Magnet Motos

• MX: £9,200 with hire purchase (HP) finance starting from 10.9% APR.

• EX: £10,900–£10,990 with HP finance from 7.9% APR.

English Electric Motor Co. (EEMC)

• EX 60 HP at £10,990, with finance plans from £201 to £270 per month. Includes up to 2 years battery warranty and roadside cover.

Marsh Powersports

• EX at £10,990, example finance: £251.85 per month at 14.9% APR over 60 months (higher APR usually applies for longer terms or weaker credit).

Moto101

• EX pre-order price: £10,999 (60 HP) or £11,999 (80 HP). Finance through Santander Consumer, deposit from around £299.

Key Points

1. New prices are stable: MX is around £9,200 and EX is about £11,000.

2. Finance interest rates (APR) range from 7.9% to 10.9% at most dealers.

3. Longer loan terms cost more overall. Example: 60-month plans can be over £250 per month at higher APR.

Types of Stark VARG Finance Options Available in the UK

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1. Dealer Finance (Hire Purchase - HP)

This is the most common way to buy the Stark VARG.

• You pay a deposit (often 10–20% of the price).

• The rest is paid in monthly instalments over 1 to 4 years.

• When you finish paying, the bike is yours.

• Interest rates (APR) usually range between 7.9% and 10.9%.

2. Personal Loan

• You borrow the full price from a bank or online lender.

• You then pay the dealer in full.

• You repay the loan to the bank in monthly instalments.

• This can be cheaper if you have a good credit score (APR as low as 4–6%).

3. Personal Contract Purchase (PCP)

• This is less common for off-road bikes but may be available for the road-legal EX model.

• Monthly payments are lower, but you must make a larger "final payment" if you want to own the bike at the end.

4. 0% APR Deals

• Some dealers offer interest-free finance for short periods or on demo bikes.

• These are rare and usually need a bigger deposit and excellent credit.

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Sample Monthly Payment Plans for the Stark VARG

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To give you an idea of what Stark VARG finance might look like in the UK, let’s consider some payment examples. If the bike costs £12,000 and you pay a £2,000 deposit, then finance £10,000 over 36 months with 6.9% APR, your monthly payment will be around £305. If you stretch it to 48 months, the payment drops to about £239. If you can get 0% APR through a special offer, you might pay around £278 per month for 36 months. These numbers are just examples. The final amount depends on your credit history, the lender, and the term. Some lenders may require a larger deposit. Also, look out for any hidden fees or charges. Always read the terms and conditions carefully. You can also use finance calculators online to test different amounts, deposits, and time periods to find a plan that works for you.

Where to Get Stark VARG Finance Deals in the UK

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You can get Stark VARG finance from different places in the UK. The first place to check is the official Stark Future website, where they sometimes share information about finance options. Next, check local electric bike dealers who sell Stark VARG. Many of them have partnerships with finance companies and can help you apply. Magnet Motos is one such trusted UK dealer that lists the Stark VARG and may also assist with financing. Online brokers like MotoNovo Finance, Superbike Loans, and Pegasus Finance also offer bike loans and sometimes list deals for the VARG. Some of them allow you to apply online and get a quick decision. You can also go to your own bank and ask for a personal loan if you prefer that route. Make sure to compare the interest rates, payment terms, and any extras like payment protection or servicing packages. Don’t forget to ask if they offer any 0% deals or discounts for good credit scores. Some offers may also change during events or seasonal promotions.

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What You Need to Apply for Stark VARG Finance

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Applying for Stark VARG finance is simple if you have the right documents. Most lenders in the UK will ask for proof of ID, address, income, and sometimes your credit score. You usually need to be over 18 and have a regular income. If you apply through a dealership, they may help you fill out the forms and send the documents. Some lenders ask for recent bank statements or payslips to make sure you can afford the payments. If your credit score is good, your chances of getting approved are higher and you might get better rates. If you have a poor credit score, some lenders still accept your application but may offer higher interest rates. Always check the full loan details, including total repayment amount, before signing anything. It’s also a good idea to get a soft quote first so it doesn’t affect your credit score.

Benefits of Financing a Stark VARG in the UK

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There are many reasons why people in the UK choose Stark VARG finance instead of paying upfront. The biggest reason is that it spreads the cost, making it easier to afford the bike. This means you don’t have to wait years to save up. You can ride now and pay over time. Some finance plans also offer fixed interest rates, so you know exactly what you’re paying every month. Others come with extras like servicing, insurance help, or upgrade options. Finance also helps improve your credit score if you keep up with payments. If you find a 0% APR deal, you could even pay the same amount over time with no extra cost. Some dealers also offer flexible repayment plans that match your income. Financing gives you access to a top bike like the Stark VARG without putting all your money down at once.

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Things to Watch Out for When Using Stark VARG Finance

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While Stark VARG finance is helpful, there are some things to be careful about. First, check the total amount you will pay after interest. It can be much more than the original price. Always ask for a breakdown. Second, make sure you can afford the monthly payments even if your income changes. Missing payments could affect your credit score and lead to extra charges. Watch out for early repayment fees if you plan to pay off the loan early. Some lenders charge extra for this. Also, some offers that seem too good may have hidden costs or short terms. Make sure to read the full contract and ask questions if anything is unclear. If you’re unsure, speak to a finance advisor or someone who understands loans. Choosing the right plan is just as important as choosing the right bike.

Conclusion

Imagine standing at the edge of a quiet trail, the Stark VARG humming gently beneath you. No loud engine. No fumes. Just you, the open path, and a machine built for silent power and pure freedom. For many riders in the UK, this isn’t just a dream anymore — it’s within reach. Thanks to flexible Stark VARG finance options in 2025, you no longer need to wait years or drain your savings to experience this kind of ride. Whether you apply through a trusted dealer or explore personal loan routes, the choice is in your hands. Take your time, compare the deals, ask questions, and choose a plan that lets you gear up without the stress. Because owning something extraordinary shouldn’t feel impossible. With the right finance path, the thrill of electric adventure isn’t just for the lucky few — it’s ready for you.

FAQs About Stark VARG Finance in the UK

1. Can I finance the Stark VARG electric bike in the UK?

Yes, several UK dealerships and finance companies offer payment plans to help spread the cost of buying a Stark VARG.

2. How much is the Stark VARG in the UK?

The base price starts around £11,900, but it may vary depending on model options, shipping, and any extras.

3. Are there 0% finance deals available for the Stark VARG?

Sometimes dealers or lenders offer 0% APR deals, especially during promotions or events. Always ask when applying.

4. What’s the monthly cost of financing a Stark VARG?

It depends on the deposit, loan term, and interest rate. For example, with a £2,000 deposit and 6.9% APR over 36 months, monthly payments can be around £305.

5. Can I get Stark VARG finance with bad credit?

Yes, but you might pay a higher interest rate. Some lenders specialise in helping people with lower credit scores.

6. Is the Stark VARG road legal in the UK?

No, the Stark VARG is designed for off-road use only and is not currently road legal in the UK.

7. What documents do I need to apply for finance?

You’ll typically need proof of ID, proof of address, income details, and sometimes your credit score report.