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Bad credit motorbike finance

Are you looking for bad credit motorbike finance? Trying to get a motorbike on finance but worried about bad credit? We’ll guide you through the process.

Get a quote

Bad credit motorbike finance

Are you looking for bad credit motorbike finance? Trying to get a motorbike on finance but worried about bad credit? We’ll guide you through the process.

Get a quote

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Very helpful and friendly

Very helpful and friendly

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Straightforward and easy to ...

Straightforward and easy to communicate with

Martin Spencer, 2 days ago

5 out of five star rating on Trustpilot
Thank you for giving me the ...

Thank you for giving me the chance to rebuild my credit again and get ...

Carly Giltenan, 3 days ago

Showing our 4 & 5 star reviews

Excellent

4.5 out of five star rating on Trustpilot

Based on 12,126 reviews

5 out of five star rating on Trustpilot

Verified

All sorted through my broker...

All sorted through my brokerage: Carfinance247, very pleased with docu...

Charlotte Brownett, 1 day ago

5 out of five star rating on Trustpilot

Verified

Very helpful and friendly

Very helpful and friendly

Alison Ney, 2 days ago

5 out of five star rating on Trustpilot

Verified

Straightforward and easy to ...

Straightforward and easy to communicate with

Martin Spencer, 2 days ago

5 out of five star rating on Trustpilot
Thank you for giving me the ...

Thank you for giving me the chance to rebuild my credit again and get ...

Carly Giltenan, 3 days ago

Showing our 4 & 5 star reviews

What is bad credit motorbike finance?

There are many reasons why you might have bad credit. You may have missed payments on household bills or fallen behind on a finance agreement. You could have been made bankrupt, or have a CCJ or IVA. You could even have a bad credit score if you haven’t used finance in the past.

Bad credit motorbike finance is when you borrow money to buy a new motorbike and make monthly repayments over an agreed amount of time. We offer a Conditional Sale agreement, which means you legally own the motorbike once you make your final repayment.

Can you get motorbike finance with bad credit?

Yes! Whatever your circumstances are, we believe that just because you have bad credit, doesn’t mean you should be denied access to motorbike finance. Regardless of your credit score, there will be a lender that can help you.

Many people need a reliable motorbike to get around, whether for work or to use socially. We have over 30 years of experience helping people up and down the UK onto a better road ahead, including:

What is bad credit motorbike finance?

There are many reasons why you might have bad credit. You may have missed payments on household bills or fallen behind on a finance agreement. You could have been made bankrupt, or have a CCJ or IVA. You could even have a bad credit score if you haven’t used finance in the past.

Bad credit motorbike finance is when you borrow money to buy a new motorbike and make monthly repayments over an agreed amount of time. We offer a Conditional Sale agreement, which means you legally own the motorbike once you make your final repayment.

Can you get motorbike finance with bad credit?

Yes! Whatever your circumstances are, we believe that just because you have bad credit, doesn’t mean you should be denied access to motorbike finance. Regardless of your credit score, there will be a lender that can help you.

Many people need a reliable motorbike to get around, whether for work or to use socially. We have over 30 years of experience helping people up and down the UK onto a better road ahead, including:

  • CCJs
  • IVAs

  • Bankruptcy (discharged at least 6 years ago)
  • Self-employed

  • Defaults
  • Little or no credit history

  • CCJs
  • IVAs

  • Bankruptcy (discharged at least 6 years ago)
  • Self-employed

  • Defaults
  • Little or no credit history

Our focus is always on making responsible lending decisions. We’ll consider carefully whether you can afford a finance agreement with us, and whether you are likely to be able to afford it for the whole duration of the agreement. We specialise in helping people who have been rejected by other lenders with the bad credit motorcycle finance they need.

Our focus is always on making responsible lending decisions. We’ll consider carefully whether you can afford a finance agreement with us, and whether you are likely to be able to afford it for the whole duration of the agreement. We specialise in helping people who have been rejected by other lenders with the bad credit motorcycle finance they need.

Applying for motorbike finance with bad credit

Applying for motorbike finance with bad credit

To get started with our motorbike finance, you’ll need:

  • Monthly earnings over £1,000 (after tax)
  • A deposit of £0 or £400 (subject to affordability)
  • To be aged between 20 and 75
  • 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 £2,500-£15,000
  • Have a minimum engine size of 125cc
  • Have a total mileage of up to 30,000 at the start of the agreement
  • No older than 12 years at the start of the agreement

Please note: we don’t finance bikes that are not road legal, such as motocross bikes, and we don’t finance imports.

Kawasaki motorbike being ridden

To get started with our motorbike finance, you’ll need:

  • Monthly earnings over £1,000 (after tax)
  • A deposit of £0 or £400 (subject to affordability)
  • To be aged between 20 and 75
  • Valid A1, A2 or A UK motorbike licence or a valid CBT certificate
  • 2 consecutive months of payslips
Kawasaki motorbike being ridden

We can finance motorbikes that meet our lending criteria:

  • Priced between £2,500-£15,000
  • Have a minimum engine size of 125cc
  • Have a total mileage of up to 30,000 at the start of the agreement
  • No older than 12 years at the start of the agreement

Please note: we don’t finance bikes that are not road legal, such as motocross bikes, and we don’t finance imports.

Get a quote today
Get a quote today

Motorbike loan calculator

  • 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

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Representative 35.5% APR

Motorbike loan calculator

  • 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

Get a quote

Representative 35.5% APR

I heard about Moneybarn from both my friends and family who had only said great things about them. 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 – Tommy Lee.

Moneybarn customer Tommy
Moneybarn customer Tommy

I heard about Moneybarn from both my friends and family who had only said great things about them. 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 – Tommy Lee.

What credit score do you need to finance a motorbike?

No matter what your credit score is, there will be a lender out there that will be able to help you finance a motorbike. There is no minimum credit score that you need to get motorbike finance with bad credit.

This is because everyone’s eligibility for motorcycle finance is different. It depends on lots of personal factors. Credit score is one factor, but there are others such as affordability and income.

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.

We’d recommend you try out our motorbike finance calculator, as well as understand what we mean by APR. It’ll give you an idea of what your motorbike finance might look like based on how much you’re looking to borrow and for how long.

Get a quote today

What credit score do you need to finance a motorbike?

No matter what your credit score is, there will be a lender out there that will be able to help you finance a motorbike. There is no minimum credit score that you need to get motorbike finance with bad credit.

This is because everyone’s eligibility for motorcycle finance is different. It depends on lots of personal factors. Credit score is one factor, but there are others such as affordability and income.

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.

We’d recommend you try out our motorbike finance calculator, as well as understand what we mean by APR. It’ll give you an idea of what your motorbike finance might look like based on how much you’re looking to borrow and for how long.

Get a quote today

Can I get guaranteed motorbike finance?

No, guaranteed motorbike finance is a myth and doesn’t exist. No lender can ever guarantee you finance without running affordability and credit checks. Only once these checks have been done can they tell you if you can get motorbike finance.

Think of it this way. Everyone is different, we all have different jobs, incomes, and financial circumstances. Just like everyone is different, so is everyone’s eligibility for motorbike finance.

Lenders have the final say over whether someone is approved for motorbike finance with bad credit. A responsible lender will never say that their finance is guaranteed. 

The Consumer Credit (Advertisements) Regulations 2010 protects customers from false or misleading claims like ‘guaranteed motorbike finance’, so you should be wary of anyone claiming to offer this.

Can I get guaranteed motorbike finance with no credit check?

You should be wary of anyone claiming to offer guaranteed bike finance with no credit check.

You might have heard about motorbike finance with no credit check. This does not exist. Responsible lenders will always need to do a credit check on you before you apply. There is a difference between a soft credit check (which is what we do) and a hard credit check. A soft credit check does not affect your credit score.

When you make an application with us, we run a soft credit check which doesn’t affect your credit score. If you then decide you’d like to enter into an agreement with us, we would do a hard credit check.

Some lenders use a hard credit check, which will affect your credit score. That’s why you should do your own research and find out if a soft or hard check is being done before you make any finance application.

Can I get guaranteed motorbike finance?

No, guaranteed motorbike finance is a myth and doesn’t exist. No lender can ever guarantee you finance without running affordability and credit checks. Only once these checks have been done can they tell you if you can get motorbike finance.

Think of it this way. Everyone is different, we all have different jobs, incomes, and financial circumstances. Just like everyone is different, so is everyone’s eligibility for motorbike finance.

Lenders have the final say over whether someone is approved for motorbike finance with bad credit. A responsible lender will never say that their finance is guaranteed. 

The Consumer Credit (Advertisements) Regulations 2010 protects customers from false or misleading claims like ‘guaranteed motorbike finance’, so you should be wary of anyone claiming to offer this.

Can I get guaranteed motorbike finance with no credit check?

You should be wary of anyone claiming to offer guaranteed bike finance with no credit check.

You might have heard about motorbike finance with no credit check. This does not exist. Responsible lenders will always need to do a credit check on you before you apply. There is a difference between a soft credit check (which is what we do) and a hard credit check. A soft credit check does not affect your credit score.

When you make an application with us, we run a soft credit check which doesn’t affect your credit score. If you then decide you’d like to enter into an agreement with us, we would do a hard credit check.

Some lenders use a hard credit check, which will affect your credit score. That’s why you should do your own research and find out if a soft or hard check is being done before you make any finance application.

Guides for getting a motorbike with bad credit

Guides for getting a motorbike with bad credit

Buying a motorbike

Make sure to consider these important factors before buying your new motorbike.

Buying a motorbike
Motorbike types

With so many different types of motorbikes on the market it’s important to know which one would be right for you.

Motorbike types
Motorbike brands

There are lots of different brands available, which can make picking the right one tricky. We’ve looked into the most popular motorbike brands.

Motorbike brands
Best motorbikes for commuting

You might be interested in getting a motorbike to commute to work. We’ve written a guide to the top bike models for commuting.

Best motorbikes for commuting
Buying a motorbike

Make sure to consider these important factors before buying your new motorbike.

Buying a motorbike
Motorbike types

With so many different types of motorbikes on the market it’s important to know which one would be right for you.

Motorbike types
Motorbike brands

There are lots of different brands available, which can make picking the right one tricky. We’ve looked into the most popular motorbike brands.

Motorbike brands
Best motorbikes for commuting

You might be interested in getting a motorbike to commute to work. We’ve written a guide to the top bike models for commuting.

Best motorbikes for commuting

FAQs about bad credit motorbike finance

Getting motorbike finance with no deposit is when you don’t pay anything up front. This means you borrow the full amount to cover the cost of your motorcycle. While it might make finance more affordable at the beginning, it may mean that you pay more in the long term, as you will be borrowing more money.

You may be able to get a motorbike on finance without a deposit. This depends on your financial circumstances and your credit score.

Depending on your circumstances, you may be asked to pay a £400 deposit. Not everyone will be required to pay a deposit, but if you are, our team would be happy to explain that process.

You will only be approved for a motorcycle loan if you meet our lending criteria and pass affordability and credit checks. We have a page explaining our application process to make sure you fully understand how it works before you make an application.

It’s important to know that everyone’s eligibility for finance is different. We understand that applying for finance can feel daunting, so why not check out our guide that explains some things you can do that may increase your chances of getting approved for finance?

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) to 5 years (60 months).

Once you’ve made an application and are approved, our team would be happy to discuss the right length of time for your motorbike finance agreement.

Yes, financing a motorbike can help to build your credit. As long as you make your monthly repayments on time and in full, over a long period of time you may see your credit score increase, which may help you obtain credit in the future.

You might notice a slight drop in your credit score when you first take out motorbike finance. This is because you are opening a new line of credit, and the lender will make a hard credit check. Both of these things affect your credit score.

Repaying your bad credit motorbike finance will only help build your credit score if you are repaying all of your other debts on time. If you have other lines of credit, and make repayments for those in full and on time, it helps to build your credit history and shows future lenders that you can manage credit responsibly.

FAQs about bad credit motorbike finance

Getting motorbike finance with no deposit is when you don’t pay anything up front. This means you borrow the full amount to cover the cost of your motorcycle. While it might make finance more affordable at the beginning, it may mean that you pay more in the long term, as you will be borrowing more money.

You may be able to get a motorbike on finance without a deposit. This depends on your financial circumstances and your credit score.

Depending on your circumstances, you may be asked to pay a £400 deposit. Not everyone will be required to pay a deposit, but if you are, our team would be happy to explain that process.

You will only be approved for a motorcycle loan if you meet our lending criteria and pass affordability and credit checks. We have a page explaining our application process to make sure you fully understand how it works before you make an application.

It’s important to know that everyone’s eligibility for finance is different. We understand that applying for finance can feel daunting, so why not check out our guide that explains some things you can do that may increase your chances of getting approved for finance?

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) to 5 years (60 months).

Once you’ve made an application and are approved, our team would be happy to discuss the right length of time for your motorbike finance agreement.

Yes, financing a motorbike can help to build your credit. As long as you make your monthly repayments on time and in full, over a long period of time you may see your credit score increase, which may help you obtain credit in the future.

You might notice a slight drop in your credit score when you first take out motorbike finance. This is because you are opening a new line of credit, and the lender will make a hard credit check. Both of these things affect your credit score.

Repaying your bad credit motorbike finance will only help build your credit score if you are repaying all of your other debts on time. If you have other lines of credit, and make repayments for those in full and on time, it helps to build your credit history and shows future lenders that you can manage credit responsibly.

Motorbike finance explained

Buying a motorbike can be an exciting time, but it’s important to understand how finance works before you apply.

Motorbike finance explained

Find your local motorbike club

Looking to join a motorbike club? We have mapped out all the motorbike clubs across the UK. Click the button below to find your local motorbike club.

Motorbike club map

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.

Self-employed motorbike finance

For a better road ahead

Moneybarn is a member of the Finance and Leasing Association, the official trade organisation of the motor finance industry. The FLA promotes best practice in the motor finance industry for lending and leasing to consumers and businesses.

Moneybarn is the trading style of Moneybarn No. 1 Limited, a company registered in England and Wales with company number 04496573, and Moneybarn Limited, a company registered in England and Wales with company number 02766324. The registered address for these companies is: Athena House, Bedford Road, Petersfield, Hampshire, GU32 3LJ.

Moneybarn’s VAT registration number is 180 5559 52.

Moneybarn Limited is authorised and regulated by the Financial Conduct Authority (Financial Services reference No. 702781)

Moneybarn No. 1 Limited is authorised and regulated by the Financial Conduct Authority (Financial Services reference No. 702780)

sub prime-lender year award
National Credit Winner
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© Copyright 2023 Moneybarn Limited
© Copyright 2023 Moneybarn Limited
Representative example: Total amount of credit £6,235. Repayable over 55 months, 54 monthly payments of £208.85. Representative 33.5% APR (fixed). Deposit of £521.49. Total charge for credit £5,042.90. Total amount payable £11,799.39. Subject to status and affordability. You could risk losing your vehicle if you do not keep up payments.