Bad credit motorbike finance

We've specialised in bad credit motorcycle financing for over 20 years. We're here to help you if you have a thin credit file 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 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 200,000 people. 

All of our loans are on a Hire Purchase agreement. Here's a simple guide to the way it works:

1. You pay a deposit on the bike you want and we lend you the rest. 
2. Through weekly or monthly instalments, you repay the loan. This is done over a pre-agreed fixed period, usually between 18 and 61 months. 
3. You are charged interest on your repayments so, at the end of the agreement, you'll have paid back more than you initially borrowed. 
4. Once your loan is repaid in full, the bike is yours. 

Just so you know... depending on the cost of your bike and your credit limit, you may not have to make a down payment. 

We use Experian, 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 making a decision on your approval for vehicle finance.

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 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." 

We’re authorised and regulated by the Financial Conduct Authority (FCA).

We're committed to treating customers fairly and giving clear, honest information so you can trust us to put your best interests first every step of the way!

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: 

• More than 200,000 customers approved for motor finance
• Customer satisfaction rate of 98%
• The UK's No.1 motor finance lender, as voted on Review Centre
• Winners of Feefo's Platinum Trusted Service Award, five times in the last six years. 

We're SAF Approved by the Finance & Leasing Association (FLA), which means that all of our customer-facing employees have passed the Specialist Automotive Finance (SAF) Expert test. This ensures our team members have all the relevant knowledge to advise you on available finance products and help find the right one for you!