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Bad Credit Motorbike Finance Made Simple

 There is a growing number of options for customers looking to take away a motorbike on finance. This is a good thing as it means that there are more opportunities to get a great finance deal on your dream motorbike, even with bad credit.

Rates from 10.9% APR. Representative APR 19.9%

Bad Credit Motorbike Finance

Instant Online Decision

Our online form takes less than 60 seconds to apply & the decision is instant, we will contact you.

£0 Deposit options

If you are approved, we may have £0 Deposit Options available for you, depending on your circumstances.

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We will conduct a Free History & Value Checks on your behalf to ensure the car is fit for purpose.

Bad Credit Motorbike Finance

Motorbike Finance

Because there is a growing demand for motorcycle financing, there are now proportionally more financing choices available. Even if you have bad credit, getting your ideal bike at your ideal price has never been more available.

Our Lenders

We have great relationships with a wide network of lenders and dealers specialise in offering bad credit motorbike finance deals. While we have great relationships with many trusted companies, we also want to make it very clear that there is no favouritism between any of our contacts. Finding the best bad credit motorbike finance deals by comparing different lenders is our sole purpose. We want to help you as much as possible to secure your dream motorbike.

Our Promise

We pledge to update you on any Motorbike Finance Agreements and will try to help you with the purchase at every turn.

Even if you have bad credit, we will make every effort to secure the best prices for you.


The information on this page should not be treated as a replacement for expert financial advice to do with your personal unique situation. The information on this page  should be taken as preparation ahead of your application for Bad Credit Motorbike finance. You can get more information from a Credit Reference Agency if you want to find out more.

Data Protection

We at Bad Credit Motor Finance are here to find the best Motorbike financing options for your particular circumstance. We recognise that each person is unique and needs assistance that caters to their specific needs when applying for Motorbike financing. Especially those who have bad credit history.

Since we are independent brokers, we can access a large network of lenders to get the best rates for you. Simply click ‘Quick Apply’ and fill out our free calculator with your information so we can find the best quotations for your consideration. Of course, your information will be fully protected.

Finance Options To suit you!

What You Need To Know

Hire Purchase

A HP finance deal means you pay for the bike in monthly instalments until you pay the pre-agreed payments off. Alongside the monthly payments, you will also pay the interest rate that is pre-decided with your finance lender. They will include this in your monthly repayments. During the time that you are paying off the bike, you will be hiring it, meaning it will still rightfully belong to the dealer until you pay off the bike in full. Once you have paid the instalments in full, you will then own the motorbike outright. if you fail to make payments within the pre-agreed schedule will result in repossession of the motorbike.

At the beginning of a Hire Purchase deal, you make a deposit of a pre-agreed percentage of the full amount to secure the deal.

Personal Contract Purchase (PCP)

A PCP deal is similar to a HP deal in that you hire the Motorbike for the duration of the payments made, but once the period ends, you have three choices:

  • You can pay off the remaining lump sum known as a “balloon” payment and claim ownership of the motorbike.
  • You can return the motorbike once the balloon payment is due.
  • You can part exchange the motorbike and begin a new PCP deal with a new one.

Because of the balloon payment, it means that the monthly rate is usually lower than with a HP contract. It is also beneficial for customers who are unsure of how their financial circumstances will look at the end of the deal, as they are given a choice of what they want to do.

It is crucial that you submit an application for the financial choice that best fits your situation. For amazing rates on personal contract purchase vehicle financing, see our bad credit PCP finance page.

Personal Contract Hire Finance

A PCH finance deal is the cheapest option if you do not intend to own the motorhome outright. You just pay the hire fee plus lenders interest and return the motorhome at the end of the contract. This could however come with a monthly mileage cap in order to maintain the motorhome’s value.

Here are some of the main benefits of PCH finance deals

  • Quickly access a motorbike at a cheap rate
  • Because you will never own the bike, a decrease in value will never be an issue for you.
  • Maintenance costs are covered in your monthly rate, so you will avoid any unexpected fees.
Lease Purchase

Like with a PCP contract, you can own the motorbike at the end of the agreement. It also contains a balloon payment at the end of it, resulting in a cheaper monthly rate too, so the benefits are the same.

The difference is that Lease Purchase does not offer any maintenance services as part of the contract.

Personal Loan

A personal loan can be taken out for any financial reason, and so it will not be tied to the motorbike directly. This means that it is possible to own the motorbike outright from the beginning, and your repayments will be made to the unattached party. The motorbike will not be repossessed if you fail to make the payments initially, however different forms of legal action will be enforced, including a court demand for payment. This will negatively affect your credit score. If legal action is taken even further, then your motorbike will likely be repossessed anyway if you need to forfeit goods.

A personal loan could definitely be an option if any of the other deals aren’t quite suited to you, financially or for whatever other personal reason.

Hassle Free

Our Bad Credit Finance Calculator

If you require a rough estimate of your entitlement and payments, you may wish to use our Finance Calculator, it is simple to use and takes less than a minute.

Rates from 10.9% APR. Representative APR 19.9% Representative Example: Borrow £6,000 with £1,000 deposit over 48 months with a representative APR of 19.9%, the monthly payment would be £182.26, with a total cost of credit of £2,748.61 and a total amount payable of £8,748.61. Car Loans UK is a broker not a lender. This is an example only, all finance subject to status. Lender fees may apply