It is possible to get a motorcycle on finance even if you have bad credit or no credit history. However, you may find it tricky to get approved, and you may have to use a specialist lender who may offer a higher APR.

We believe that having bad credit shouldn’t stop you from getting motorbike finance. We specialise in helping people who have been rejected by other lenders.

Get a quote in less than 5 minutes and find out if we can help you today.

When you get a quote, the lender will use a credit check to understand if finance is affordable for you. The process is the same regardless of whether you have good or bad credit, but if you have bad credit, you may find it more difficult to get approved.

To increase your chances of getting approved for finance, there are steps you can take such as checking your credit score and ensuring that all your information is up-to-date. If you have very bad credit, it is important to understand what affects your credit score so that you can avoid habits that may make it difficult to get approved for finance.

When you get a quote, we use a soft credit check which gives an instant decision. If you’re approved, we’ll show you how much you can borrow and one of our friendly experts will be in touch to help you find your dream bike. We only use a hard check when contracts are drawn up for you to sign.

To be eligible for bad credit motorbike finance with us, you’ll need a valid A1, A2, or A UK motorbike licence, or a valid CBT certificate.

You can view our lending criteria to see if you’re eligible before getting a quote.

Motorbike finance works in a similar way to car finance. How long you can finance a motorcycle for depends on the amount you are borrowing and your affordability. Our agreements last from 36 to 60 months, and our experts would be happy to discuss your options and find the right agreement for you.

You can get a quote in less than 5 minutes and see what your agreement could look like.

Financing a motorbike can help to improve your credit score, as long as you make your monthly payments on time and in full. However, it’s important to know that there are several factors that can affect your credit score, and there is no guarantee that it will increase.

When you take out motorbike finance, you may notice a slight dip in your credit score. This is because you are opening a new line of credit, and the lender will make a hard credit check, both of which can cause your credit score to drop.

Repaying your motorbike finance will only help boost your credit score if you are also making timely and full payments for your other debts. If you have other lines of credit, and you pay them off on time and in full, it can help to build a positive credit history and show that you can manage credit responsibly.

Yes, it is possible to get motorbike finance without a deposit, but this depends on several factors including your credit history. Depending on your circumstances, you may need to pay a deposit of £400 to be eligible for an agreement with us. Not every applicant is required to pay a deposit, but if you are, our team will be happy to discuss this process with you.

Get a quote in less than 5 minutes and if you’re approved, one of our experts will discuss your options and help you find a suitable agreement.

It can be difficult to get motorbike finance if you have a CCJ or IVA, but it’s not impossible. There are specialist lenders who can help people with bad credit because of a CCJ or IVA get a motorbike on finance.

You can get a quote in less than 5 minutes, and we’ll use a soft credit check to see if we can help you. This doesn’t affect your credit score and gives you an immediate decision. We only use a hard check if you choose to enter into an agreement with us, and contracts are prepared for you to sign.

No, it isn’t possible to get guaranteed motorbike finance. No responsible lender can claim to guarantee motorbike finance or offer it with no credit check because it doesn’t exist.

Every lender will conduct a credit check when you apply for motorbike finance. This ensures that any finance offered is affordable and suitable for your circumstances.

This requirement is outlined in the rules of the Financial Conduct Authority, which regulates financial services in the UK. They say that lenders ‘must undertake a reasonable assessment of the creditworthiness of a customer’ before entering into a finance agreement.

However, that doesn’t make it impossible to get motorcycle finance with bad credit. It just means you might have to use a specialist lender.

While specialist lenders like Moneybarn exist to help people with a low credit score or no credit history, no lender can offer guaranteed motorbike finance as it doesn’t exist.