Can I get a motorbike on finance with bad credit?

Yes, it is possible to get a motorbike on finance with bad credit, but it may be more challenging. Some specialized lenders and motorbike finance companies offer options for individuals with less-than-ideal credit histories. However, it's important to be aware that individuals with bad credit may face higher interest rates and more stringent loan terms compared to those with better credit. Additionally, the availability of options and the terms offered may vary depending on the severity of the credit issues.

What credit score do you need to finance a motorbike?

The specific credit score required to finance a motorbike can vary depending on the lender and their specific criteria. Generally, a higher credit score improves your chances of qualifying for motorbike finance and may lead to more favorable loan terms, such as lower interest rates. While some lenders may consider applicants with lower credit scores, individuals with higher scores (typically 660 and above) are more likely to qualify for competitive financing options.

Can I finance a motorbike without a Licence?

While it is possible to finance a motorbike without a license, it can be more challenging. Lenders generally prefer applicants who have a valid motorcycle license as it demonstrates that you have the legal ability to operate the vehicle. If you're attempting to finance a motorbike without a license, you may need to provide additional documentation or meet specific requirements set by the lender. It's important to note that even if you secure financing, you will still need to obtain a valid motorcycle license before legally operating the motorbike on public roads.

Motorbike Finance

Name: motorbike finance
Brand: Quick Car Finance
SKU: 13-BC-CF-2023

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Rates from 9.9% APR.
Representative APR of 21.9% APR

APR Example

Representative example: borrowing £7,000 over 5 years with a representative APR of 21.9%, the annual interest rate of 21.9% (Fixed) and a deposit of £0.00, the monthly would be £178.52, with a total cost of credit of £3711.20 and a total amount payable of £10,711.20. Rates may differ as they are dependent on individual circumstances'. Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status. Quick Car Finance are a broker not a lender.

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No deposit options
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Most credit scores considered

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Complete Apply Form Tell us a little about what your looking for and who you are.
Length of term How long are you looking to take finance out for?
List of comparisons We will provide you with a list of competitive rates that suit your personal needs.
Shop our best deals We will help you shop around to find the best deal that is available to you.

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Motorbike Hire Purchase (HP)

Motorbike Personal Loan

Personal Contract Purchase (PCP)

PCP is one of three finance products available to you from Quick Car Finance to help fund your Motorcycle. PCP allows you to keep your monthly repayments lower by deferring a proportion of the credit to the end of the agreement, and also giving you the flexibility of 3 options at the end of the agreement. These 3 options being Retain - where you can keep your motorcycle by paying the option to purchase fee and the GFV (Guaranteed Feature Value, you will then own the motorbike outright. Or you can Return your motorcycle back to the dealer without paying the GFV. If you have exceeded your agreed milage or the bike is in bad condition, there may be additional charges to pay. Or You can Renew your agreement and part exchange your current bike. Then together with your financial advisor and the dealer, you can start looking for your next bike!

Am I eligible for motorbike finance?

We can look to find finance for people with a range of circumstances and you’ll have a dedicated account manager on hand to help you through the process.

Age Am I 18 years or older?
Residency Have I lived in the UK for more than 12 months?
Income Do I earn an income of £1000 or more per month?

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