Bad credit motorbike finance

Are you looking for motorbike finance but worried about bad credit? Have you been turned down by other lenders for a motorcycle loan?

We consider motorbike finance applications even if you’ve been declined elsewhere.

Bad credit motorbike finance

Are you looking for motorbike finance but worried about bad credit? Have you been turned down by other lenders for a motorcycle loan?

We consider motorbike finance applications even if you’ve been declined elsewhere.

No late fees

Missing a payment can be stressful enough so we don’t charge late fees.

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We pride ourselves on providing a service that our customers love.

Build your credit

Keeping up with your payments can help improve your credit score.

Bad credit motorcycle finance

You might have poor 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 you might have bad credit, it doesn’t mean you should be denied access to a loan. As long as you can afford it, you can get the motorcycle you need with us today. 

Bad credit motorcycle finance

You might have poor 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 you might have bad credit, it doesn’t mean you should be denied access to a loan. As long as you can afford it, you can get the motorcycle you need with us today. 

Who can access motorbike finance?

Many people may need a reliable motorbike to get to work or to 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.

If you have a CCJ or are currently in an IVA, we can still help to provide finance so you can get the ideal motorbike for you.

Who can access motorbike finance?

Many people may need a reliable motorbike to get to work or to 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.

If you have a CCJ or are currently in an IVA, we can still help to provide finance so you can get the ideal motorbike for you.

What motorbikes can you get on finance?

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:

  • Be no more than 12 years old at the start of the contract
  • Have a total mileage of 30,000 or less at the start of the agreement
  • Have a minimum engine size of 125cc

What motorbikes can you get on finance?

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:

  • Be no more than 12 years old at the start of the contract
  • Have a total mileage of 30,000 or less at the start of the agreement
  • Have a minimum engine size of 125cc

How does our motorcycle finance work?

We only offer finance for motorbikes bought from reputable dealers. Our finance works as follows:

  • Minimum lend: £2,500
  • Maximum lend: £15,000
  • Minimum initial deposit: £400
  • We’ll need an invoice and sales advert from the dealer

How does our motorcycle finance work?

We only offer finance for motorbikes bought from reputable dealers. Our finance works as follows:

  • Minimum lend: £2,500
  • Maximum lend: £15,000
  • Minimum initial deposit: £400
  • We’ll need an invoice and sales advert from the dealer

What your motorbike loan could look like

Summary

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

Representative 31.9% APR

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On average our customers rate our service 4.3 out of 5. (June 2021)

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On average our customers rate our service 4.3 out of 5. (June 2021)

What your motorbike loan could look like

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

Representative 31.9% APR

We will check you can afford the motorbike finance

To get a motorcycle loan 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 making a single application, or £1,300 per month if you’re making 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 will check you can afford the motorbike finance

To get a motorcycle loan 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 making a single application, or £1,300 per month if you’re making 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.

Motorbike finance with bad credit

For more information, our motorbike finance explained guide can help.

If you have poor 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 poor credit means you won’t be approved for motorbike finance, you can call one of our team on 0330 555 2505  and they will be able to discuss your options and help you get the motorbike you want.

Motorbike finance with bad credit

For more information, our motorbike finance explained guide can help.

If you have poor 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 poor credit means you won’t be approved for motorbike finance, you can call one of our team on 0330 555 2505  and they will be able to discuss your options and help you get the motorbike you want.

Looking for a motorbike?

Motorbike Finance Portsmouth

Motorbike brands

Depending on what you’re looking for motorbike brands and what they can offer will differ. We’ve looked into the most popular motorbike brands on the market today, from Honda motorbikes to Ducati and Harley-Davidsons, we’re here to help you decide which motorbike brand is right for you.

Motorbike Finance Leeds

Motorbike types

What motorbike type you decide to get depends completely on how you want to use your motorbike. Take a look at what each different motorbike types you could get on finance, and what they can offer you. Consider 125cc motorcycle finance, sport motorbike finance or maybe cruiser motorbike finance for your next motorbike.

Frequently asked motorbike questions

At Moneybarn we ask that you pay a minimum deposit of £400 for motorbike finance with us. We will unfortunately will not be able to offer you finance without this deposit.

If you are wanting to get a motorbike on finance with no deposit, then there may be other lenders that can offer this to you. Getting finance with no deposit mean you will borrow the full amount to cover the cost of the vehicle, but you will not be required to pay anything up front.

No, unfortunately guaranteed motorbike finance is a myth and it doesn’t exist. This is because a lender will never be able to guarantee you finance without running the appropriate affordability and credit checks. Only once they have done these checks will they be able to tell you for definite that you can get motorbike finance.

You will only be approved for a motorcycle loan, if you meet the lending criteria of the lender and you pass their affordability and credit checks. We’ve detailed our application process to walk you through the steps from application to driving away with your new vehicle.

To start the process of financing a motorcycle you can get a quote. This will give you a clear idea of what your loan could look like. If you are approved in principle then we will just need a little more information from you before we can confirm the loan, however if you are approved straight away you can start looking for a new motorcycle. You could even use our vehicle finder tool, which you will see as part of our application process, to get started!

How long you can finance a motorcycle for depends on the amount you are borrowing as well as how much you can afford at the time of application.
If you borrow less and can also afford more monthly, you could repay back your loan in 3 years. Our repayment terms range from 3 years (36 months) – 5 years (60 months).

No matter what your credit score is, there will be a lender out there that will be able to help you finance a motorbike.


Moneybarn support those with bad credit to move forward onto a better road ahead. So, if your credit score is less than perfect take a look at what we could lend you by getting a quote today. We will only do a soft search on your credit file when you ask for a quote, so this won’t affect your credit score.

Frequently asked motorbike questions

At Moneybarn we ask that you pay a minimum deposit of £400 for motorbike finance with us. We will unfortunately will not be able to offer you finance without this deposit.

If you are wanting to get a motorbike on finance with no deposit, then there may be other lenders that can offer this to you. Getting finance with no deposit mean you will borrow the full amount to cover the cost of the vehicle, but you will not be required to pay anything up front.

No, unfortunately guaranteed motorbike finance is a myth and it doesn’t exist. This is because a lender will never be able to guarantee you finance without running the appropriate affordability and credit checks. Only once they have done these checks will they be able to tell you for definite that you can get motorbike finance.

You will only be approved for a motorcycle loan, if you meet the lending criteria of the lender and you pass their affordability and credit checks. We’ve detailed our application process to walk you through the steps from application to driving away with your new vehicle.

To start the process of financing a motorcycle you can get a quote. This will give you a clear idea of what your loan could look like. If you are approved in principle then we will just need a little more information from you before we can confirm the loan, however if you are approved straight away you can start looking for a new motorcycle. You could even use our vehicle finder tool, which you will see as part of our application process, to get started!

How long you can finance a motorcycle for depends on the amount you are borrowing as well as how much you can afford at the time of application.
If you borrow less and can also afford more monthly, you could repay back your loan in 3 years. Our repayment terms range from 3 years (36 months) – 5 years (60 months).

No matter what your credit score is, there will be a lender out there that will be able to help you finance a motorbike.


Moneybarn support those with bad credit to move forward onto a better road ahead. So, if your credit score is less than perfect take a look at what we could lend you by getting a quote today. We will only do a soft search on your credit file when you ask for a quote, so this won’t affect your credit score.