Bad credit motorbike finance

Do you need motorbike finance but have bad credit? Our bad credit motorbike finance is here to help you onto a better road ahead.

Bad credit motorbike finance

Do you need motorbike finance but have bad credit? Our bad credit motorbike finance is here to help you onto a better road ahead.

What is bad credit motorbike finance?

If you’re concerned that your bad credit score might stop you from being approved for motorbike finance, don’t worry. Bad credit motorbike finance helps people who have a low credit score, bad credit, or no credit history. This means that you can still get the motorbike you need, even with bad credit.

The process of getting motorbike finance for bad credit is the same as if you had good credit. The lender pays the dealership for you, and you repay the finance through monthly payments over an agreed amount of time.

Who is eligible for motorbike finance with bad credit?

What is bad credit motorbike finance?

If you’re concerned that your bad credit score might stop you from being approved for motorbike finance, don’t worry. Bad credit motorbike finance helps people who have a low credit score, bad credit, or no credit history. This means that you can still get the motorbike you need, even with bad credit.

The process of getting motorbike finance for bad credit is the same as if you had good credit. The lender pays the dealership for you, and you repay the finance through monthly payments over an agreed amount of time.

Who is eligible for motorbike finance with bad credit?

Having bad credit can be a result of many factors like having arrears or an overdraft, missed payments on bills, or a CCJ or IVA. It could also be due to not using finance in the past or paying for everything with cash.

Kawasaki motorbike being ridden

We understand the importance of owning a motorbike, even if you have bad credit. With over 30 years of experience helping people all over the UK, we could help you even if you have a bad credit history.

We could help even if you:

  • Have missed or made late payments in the past
  • Are in or have had an IVA
  • Are self-employed
  • Have a CCJ (County Court Judgment)
  • Have little or no credit history
  • Have been in a DRO or DMP
  • Have defaulted on credit in the past
  • Declared bankruptcy over 6 years ago

To get motorbike finance, you’ll need:

  • Monthly earnings over £1,000 (after tax)
  • To be aged between 20 and 75
  • A valid A1, A2, or A UK motorbike licence or a valid CBT certificate
  • 2 consecutive months of payslips

We can finance motorbikes that meet our lending criteria:

  • Priced between £3,600 and £15,000
  • Minimum engine size of 125cc
  • Up to 30,000 miles on the clock
  • No more than 12 years old at the start of the agreement
  • Must be road-legal and not an import

Having bad credit can be a result of many factors like having arrears or an overdraft, missed payments on bills, or a CCJ or IVA. It could also be due to not using finance in the past or paying for everything with cash.

We understand the importance of owning a motorbike, even if you have bad credit. With over 30 years of experience helping people all over the UK, we could help you even if you have a bad credit history.

We could help even if you:

Kawasaki motorbike being ridden

  • Have missed or made late payments in the past
  • Are in or have had an IVA
  • Are self-employed
  • Have a CCJ (County Court Judgment)

  • Have little or no credit history
  • Have been in a DRO or DMP
  • Have defaulted on credit in the past
  • Declared bankruptcy over 6 years ago

To get motorbike finance, you’ll need:

  • Monthly earnings over £1,000 (after tax)
  • To be aged between 20 and 75
  • A valid A1, A2, or A UK motorbike licence or a valid CBT certificate
  • 2 consecutive months of payslips

We can finance motorbikes that meet our lending criteria:

  • Priced between £3,600 and £15,000
  • Minimum engine size of 125cc
  • Up to 30,000 miles on the clock
  • No more than 12 years old at the start of the agreement
  • Must be road-legal and not an import

How much could motorbike finance cost with bad credit?

Use the buttons and slider below to see what your bad credit bike finance might look like.

  • Monthly payment: £000.00
  • Total to repay: £00,000.00
  • Calculated APR: 00.0%

*a £400 deposit may be required depending on your credit score

Representative 35.5% APR

How much could motorbike finance cost with bad credit?

Use the buttons and slider below to see what your bad credit bike finance might look like.

  • Monthly payment: £000.00
  • Total to repay: £00,000.00
  • Calculated APR: 00.0%

*a £400 deposit may be required depending on your credit score

Representative 35.5% APR

How to apply for motorbike finance with bad credit

How to apply for motorbike finance with bad credit

One

Get an online quote in under 5 minutes. We use a soft check at the point of application, which won’t impact your credit score and provides an instant decision.

Two

If you’re approved, our team of experts will help you find your dream motorbike. They’ll help you find motorbikes from reputable dealerships and discuss your options.

Three

We’ll help you with providing any paperwork and signing your agreement. Once your agreement is finalised, we’ll pay the dealership and you can collect your new bike!

One

Get an online quote in under 5 minutes. We use a soft check at the point of application, which won’t impact your credit score and provides an instant decision.

Two

If you’re approved, our team of experts will help you find your dream motorbike. They’ll help you find motorbikes from reputable dealerships and discuss your options.

Three

We’ll help you with providing any paperwork and signing your agreement. Once your agreement is finalised, we’ll pay the dealership and you can collect your new bike!

What type of motorbike finance does Moneybarn offer for poor credit?

Our Conditional Sale (CS) agreement lets you own the motorbike once you’ve made the final payment. During the agreement, you’ll have complete access to your motorbike and will be responsible for servicing, MOTs, and maintenance. You’ll make fixed monthly payments until the total finance amount is paid off for 36 to 60 months.

Unlike other types of poor credit motorbike finance, there is no additional fee or balloon payment to make at the end of the agreement to legally own the motorbike.

Conditional Sale finance at a glance

Your interest rate will be fixed so your payments are the same each month.

Finance is subject to status and affordability checks.

There are no mileage restrictions like other types of finance such as PCP.

You won’t own the motorbike until the final payment is made.

You’ll own the motorbike at the end of the agreement.

You may be offered a high APR if you have bad credit.

There are no late payment charges or hidden fees during your agreement.

The motorbike may be repossessed if you can’t make payments.

What type of motorbike finance does Moneybarn offer for poor credit?

Our Conditional Sale (CS) agreement lets you own the motorbike once you’ve made the final payment. During the agreement, you’ll have complete access to your motorbike and will be responsible for servicing, MOTs, and maintenance. You’ll make fixed monthly payments until the total finance amount is paid off for 36 to 60 months.

Unlike other types of poor credit motorbike finance, there is no additional fee or balloon payment to make at the end of the agreement to legally own the motorbike.

Conditional Sale finance at a glance

Your interest rate will be fixed so your payments are the same each month.

There are no mileage restrictions like other finance types such as PCP.

You’ll own the motorbike at the end of the agreement.

There are no late payment charges or hidden fees during your agreement.

Finance is subject to status and affordability checks.

You won’t own the motorbike until the final payment is made.

You may be offered a high APR if you have bad credit.

The motorbike may be repossessed if you can’t make payments.

Join thousands of monthly customers like Tommy

Without Moneybarn I wouldn’t have been able to get this bike. I honestly love it and feel proud to be riding it every day. I’ve also seen my credit score go up, which has been a great bonus to the finance agreement – Tommy Lee.

Moneybarn customer Tommy Lee

Join thousands of monthly customers like Tommy

Moneybarn customer Tommy Lee

Without Moneybarn I wouldn’t have been able to get this bike. I honestly love it and feel proud to be riding it every day. I’ve also seen my credit score go up, which has been a great bonus to the finance agreement – Tommy Lee.

Why choose Moneybarn?

Great customer service

We support thousands of people up and down the country each month, even if they’ve been refused elsewhere. Our customers rate us as Excellent on Trustpilot.

Award-winning finance

We continue to win industry awards for our approach to responsible lending, including ‘Vehicle Finance Provider of the Year’ and ‘Sub-Prime Lender of the Year’ for 2023.

Leading specialist lender

As one of the UK's leading lenders for bad credit, we accept people let down by mainstream lenders, with over 30 years of experience helping people onto a better road ahead.

Why choose Moneybarn?

Great customer service

We support thousands of people up and down the country each month, even if they’ve been refused elsewhere. Our customers rate us as Excellent on Trustpilot.

Award-winning finance

We continue to win industry awards for our approach to responsible lending, including ‘Vehicle Finance Provider of the Year’ and ‘Sub-Prime Lender of the Year’ for 2023.

Leading specialist lender

As one of the UK’s leading lenders for bad credit, we accept people let down by mainstream lenders, with over 30 years of experience helping people onto a better road ahead.

What credit score do you need to finance a motorbike?

If you have a low credit score, you may be worried that it’s impossible to finance a motorbike. But don’t worry, there’s no minimum credit score requirement to get approved for finance. Specialist lenders are available but keep in mind that you may be offered a higher interest rate than someone with good credit.

As one of the leading specialist lenders in the UK, we help thousands of people each month onto a better road ahead. It takes less than 5 minutes to get a quote, and we use a soft search at the point of application, which won’t affect your credit score.

You can use our motorbike finance calculator to get an idea of what your motorbike financing might look like if you have fair, poor, or bad credit. It’s also important to understand what APR means so you know how it affects your agreement.

What credit score do you need to finance a motorbike?

If you have a low credit score, you may be worried that it’s impossible to finance a motorbike. But don’t worry, there’s no minimum credit score requirement to get approved for finance. Specialist lenders are available but keep in mind that you may be offered a higher interest rate than someone with good credit.

As one of the leading specialist lenders in the UK, we help thousands of people each month onto a better road ahead. It takes less than 5 minutes to get a quote, and we use a soft search at the point of application, which won’t affect your credit score.

You can use our motorbike finance calculator to get an idea of what your motorbike financing might look like if you have fair, poor, or bad credit. It’s also important to understand what APR means so you know how it affects your agreement.

Helpful motorcycle buying guides

Helpful motorcycle buying guides

Motorbike types

Choosing the right motorbike type is crucial to ensure a smooth and enjoyable riding experience.

Buying a motorbike

 Before getting a new motorbike on finance, make sure you consider these important factors.

Motorbike brands

Our guide explores the range of motorbike manufacturers to help you choose the right one for your needs.

Motorbike types

Choosing the right motorbike type is crucial to ensure a smooth and enjoyable riding experience.

Buying a motorbike

 Before getting a new motorbike on finance, make sure you consider these important factors.

Motorbike brands

Our guide explores the range of motorbike manufacturers to help you choose the right one for your needs.

Frequently asked bad credit motorbike questions

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.

Frequently asked bad credit motorbike questions

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.

Motorbike finance explained

Buying a motorbike can be an exciting time, but make sure you know finance works before making any applications. Find out more with our guide to the different types of finance.

Bad credit explained

There are lots of misconceptions about people with bad credit. In our guide, we explain what bad credit means, and how it might affect you.

Being self-employed

Being self-employed can make it harder to get a motorbike on finance, especially when you have bad credit. Find out if we could help you today.