Are you looking for motorbike finance but worried about bad credit? Have you been turned down by other lenders for motorbike finance? We consider motorbike finance applications even if you’ve been declined elsewhere.
You might have bad credit because you’ve missed a few payments on household bills, or fell behind on a finance agreement. Alternatively, you may have been made bankrupt, and you could be trying to rebuild your credit score. You could also have a weak credit profile because you haven’t used finance or credit previously.
No matter what your circumstances are, we believe that just because a person has bad credit, it doesn’t mean they should be denied access to finance so they can get the motorbike they need, as long as they can afford it.
Many people may need a reliable motorbike to get to work or use socially. We recognise this and we specialise in lending to customers with bad credit. Our focus is always on making responsible lending decisions, so we’ll consider carefully whether you can comfortably afford a finance agreement with us, and importantly whether you are likely to be able to afford it for the whole duration of the agreement. We consider a range of factors that allow us to help customers who might have been declined elsewhere.
We only offer finance for motorbikes bought from reputable dealers. Our finance works as follows:
To get motorbike finance with us, we carry out affordability checks which means we look at your income and expenditure to confirm whether we can offer you finance.
You must also have a net minimum monthly income of £1,000 if you’re doing a single application, or £1,300 per month if you’re doing a joint application.
We may also need to ask for documentation (e.g. payslips) showing your income if we need more information following our automatic checks of your income and expenditure.
Our checks protect you by ensuring your monthly payments are reasonable and affordable. You can also use our finance calculator to help.
We can finance a wide variety of motorbikes, which means you can choose from a range of quality and trusted manufacturers. However, the motorbike must:
For more information, our motorbike finance explained guide can help.
If you have bad credit and you want to buy a motorbike, or if you’re worried that having bad credit means you won’t be approved for motorbike finance, start your application online to see how we can help you.
If you have bad credit and you’re interested in buying a motorbike, you can complete our quick and easy online application to see what finance we can offer you.
We only use a soft credit search, which means it won’t affect your credit score.
If you’re still worried that having bad credit means you won’t be approved for motorbike finance, you can call one of our team on 0330 555 3686 and they will be able to discuss your options and help you get the motorbike you want.