Representative 27.9% APR
Ours is a personalised approach, always tailored to your unique situation. It works for us and, more importantly, it works for our customers. Here's why you can rely on us:
We're also SAF Approved by the Finance & Leasing Association (FLA), which means that all relevant staff have passed the Specialist Automotive Finance (SAF) expert test. This ensures that our team members have all the relevant knowledge to advise you on available finance products and help find the right one for you!
By the way... before we send over the legal documentation, you must send us proof of your driving licence and proof of income, i.e. bank statements and/or payslips.
We'll pay the dealership directly - usually within 15 minutes - and then you can ride away on your new motorbike!
We've specialised in bad credit motorcycle financing for over 20 years. We're here to help you if you have a low credit score or bad credit history, or if you've struggled for approval from other lenders.
If any of that sounds familiar, our bad credit motorbike loans could be the solution you're looking for. They're designed for people who may have faced financial setbacks or struggled with managing their credit in the past. We want to offer you a realistic route to a loan that will help you pay for the bike you need - and it's something we have plenty of experience in, having provided auto finance to more than 300,000 people.
All of our loans are on a Hire Purchase agreement. Here's a simple guide to how it works:
Just so you know... depending on the cost of your bike and your credit limit, you may not have to make a down payment.
You may even be able to use an old bike as your deposit. You'll need to speak to the dealership you're buying from to see if they're happy to accept that as part of the agreement.
We use , one of the UK's top credit reference agencies, to run our credit checks. This helps us to understand your credit history, which is one of several factors we take into consideration when deciding on your approval for vehicle finance.
We'll do everything we can to help you find a bad credit motorbike finance agreement that works for you. Our team looks beyond just your credit score, checking your affordability and more. To help you figure out if you're eligible, check out our fixed and flexible criteria.
Whilst our criteria helps us to lend responsibly, we're flexible on things such as the age of the motorbike and the term of the agreement. For example, you can choose to pay your motorbike finance agreement over a long period of time, i.e. 48 months, or make larger instalments and pay your finance agreement off in as little as 18 months.
Take a look at our guide on bad credit myths to discover more about what poor credit means.
Let us help you get out and explore the open road! Use our finance calculator to see your options tailored to poor credit.
Let's hear from an expert on this one. Craig is our Head of Underwriting; here's what he has to say:
"Applying for motorbike finance can affect your credit score, but the impact depends on how and where you apply. We'll run a soft credit check when you first apply, which shouldn't make any difference to your file. If you go ahead with your application, our hard credit check may leave a footprint.
"However, it's key to remember that responsible borrowing - for example, making repayments on time - can actually help build your credit score. We take a fair and flexible approach, focusing on what's affordable for you, rather than just your credit history."
The exact answer will depend on the value of your bike, the size of your deposit, and the length of your loan term. To get an idea of the overall cost, use our motorbike finance calculator. It's free and has no impact on your credit score, and there's no obligation to apply. Use our finance calculator tool below before getting a quote, if you want to get a better idea of what your repayments could look like.
Select the option that best describes your credit rating.
There are no additional fees
Representative
29.9% APROur bad credit motorbike finance options are designed to be a realistic choice for a wide range of customers. We understand the unique challenges you face if you have bad credit, and we're here to offer solutions that suit you.
Unlike a Personal Contract Purchase (PCP), a Hire Purchase agreement means that, once your loan is paid off, you own the bike. There's no lump sum or balloon payment at the end of the term. That counts as a financial asset in your name, one that could help you with down payments on future purchases.
If you're approved for motorbike finance with bad credit, you can actively work towards improving your score. Paying your loan instalments in full and on time shows to credit agencies and other lenders than you can borrow responsibly.
These may include lower deposit requirements, extended loan terms and manageable interest rates. We aim to provide customers with greater financial flexibility, and a bad credit motorbike loan can do that.
Unsure if a Hire Purchase agreement would be suitable for you? We've laid out all the advantages and disadvantages to help you decide.
Worried about your credit score or been declined in the past? We may be able to help you, so get started and fill out our quote form today! It's quick, easy and has no impact on your credit rating.
This page was last reviewed in August 2026.
First Response Finance is a responsible vehicle finance lender, and all decisions are made in the best interests of the customer; based on credit scores, status, and income at the time of application. We'll never approve an application if we believe you might struggle with repayments.
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