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.

There are many reasons why you might have poor credit. You may have missed a few payments on household bills, or fell behind on a finance agreement. You could have been made bankrupt, and are wanting to improve your credit score. You could even have a weak credit profile because you haven’t used finance or credit previously.

Whatever your circumstances are, we believe that just because you have bad credit, doesn’t mean you should be denied access to a motorbike finance. As long as you can afford it, you can get the motorbike you need – get a quote today.

Kawasaki motorbike being ridden

There are many reasons why you might have poor credit. You may have missed a few payments on household bills, or fell behind on a finance agreement. You could have been made bankrupt, and are wanting to improve your credit score. You could even have a weak credit profile because you haven’t used finance or credit previously.

Whatever your circumstances are, we believe that just because you have bad credit, doesn’t mean you should be denied access to a motorbike finance. As long as you can afford it, you can get the motorbike you need – get a quote today.

Kawasaki motorbike being ridden

Bad credit motorcycle 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.

There is no minimum credit score you need to get bad credit motorbike finance. This is because lots of different personal factors are taken into account when a lender decides whether to give finance to you. If you have bad credit, even 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. 

Bad credit motorcycle 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.

There is no minimum credit score you need to get bad credit motorbike finance. This is because lots of different personal factors are taken into account when a lender decides whether to give finance to you. If you have bad credit, even 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. 

Getting started with motorbike finance

Getting started with motorbike finance

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 21 and 70
  • Valid A1, A2 or A UK motorbike licence or a valid CBT certificate
  • 2 consecutive months of payslips or bank statements

We can provide motorcycle finance as long as it meets 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

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 21 and 70
  • Valid A1, A2 or A UK motorbike licence or a valid CBT certificate
  • 2 consecutive months of payslips or bank statements

We can provide motorcycle finance as long as it meets 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

Motorbike loan calculator

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

Representative 31.9% APR

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

Motorbike loan calculator

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

Representative 31.9% APR

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

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
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

Motorbike finance with bad credit

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

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 motorcycle finance explained guide can help.

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.

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 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

Frequently asked motorbike questions

To get motorbike finance with us you may be asked to pay a £400 deposit, depending on your credit file. Not everyone will have to pay a deposit, so please contact us if you’d like to find out more.

Getting finance with no deposit means you will borrow the full amount to cover the cost of the motorbike, 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.

We 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.

To get motorbike finance with us you may be asked to pay a £400 deposit, depending on your credit file. Not everyone will have to pay a deposit, so please contact us if you’d like to find out more.

Getting finance with no deposit means you will borrow the full amount to cover the cost of the motorbike, 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.

We 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.

Buying a motorbike

Buying a motorbike can be an exciting time, but with so many options and choices available, you might not know where to begin. Make sure to consider these important factors before buying your new motorbike.

Be a part of the club. Look for 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.

Our application process

We use a soft credit search which means you’ll get a decision, and it will have no affect on your credit score. The search will only show on your credit file if you take out an agreement with us.