Bad Credit Motorbike Finance - Get Approved with BIGMOTO
We don't see why anyone should miss out on the joys of owning a motorbike. So, we can help with finance, whether you have CCJs, IVAs, rent and mortgage arrears, defaults, credit card, hire purchase loan arrears, or bankruptcy. We can also provide finance for riders on benefits.
Finance Rates from 12.9% APR.
Representative example for Hire Purchase (HP): Borrowing £4500 over 48 months with a representative APR of
19.9%, the annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the monthly payment would be
£132.86, with a total cost of credit of £1877.28 and a total amount payable of £6377.28.
Finance Rates from 12.9% APR.
Representative example for Hire Purchase (HP): Borrowing £4500 over 48 months with a representative APR of
19.9%, the annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the monthly payment would be
£132.86, with a total cost of credit of £1877.28 and a total amount payable of £6377.28.
Motorbike Finance for Bad or Poor Credit
If you have a less-than-perfect credit history, don't panic. It's not always the case that a low credit score means you can't borrow the money to purchase a motorbike. Far from it, there is a range of finance products available with riders like you in mind. We work with trusted UK lenders to offer a range of responsible, fair, and transparent agreements to suit most circumstances.
Even if you have been through challenging times related to borrowing in the past, there's no need to miss out. We may be able to help you secure tailored financing so you can afford the bike you've set your heart on.
The key difference between BIGMOTO and other lenders is that we focus specifically on bike finance and, as riders ourselves, understand that everyone is different. We don't approach motorcycle finance as a one-size-fits-all product. We treat each application with care and work hard to get you on the road as quickly and easily as possible.
Why Choose BigMoto for Bad Credit Finance?
At BigMoto, we believe motorcycling should be open to everyone. Bad or poor credit scores should not be a barrier to starting your journey on two wheels. Our team works with specialist lenders who look at your full situation, not just a statistic or a number on a credit report.
We focus on getting you riding with a fair, transparent, responsible finance agreement because, at BigMoto, it's about putting the riders first, and paperwork second. Why wait or shop around for finance elsewhere? If you're struggling to find an agreement that works for you and your plans to buy a motorbike, you've come to the right place.
You Can Apply For Bad Credit Finance In Five Easy Steps
Request a quote
Fill out our online application form, and we will assess your lending requirements.
Preliminary approval
Once we've handled the paperwork on your behalf and found a deal, we'll give you a thumbs up.
Select your motorbike
With approval, you can browse our range of motorbikes available for direct delivery.
Relax while we manage the sale
We manage the whole purchase process in consultation with your lender.
Hit the road!
Once the deal is signed, we'll deliver your bike, and you can enjoy the freedom of the open road.
How Our Bad Credit Bike Finance Works
We know the process of securing finance with a low credit score can feel stressful, but you can relax with BIGMOTO. We have designed our application process to be straightforward for everyone. Once you've submitted your information and been approved, you're free to choose the bike you've had your eye on with the minimal amount of fuss and hassle.
Can I Get Bike Finance with Bad Credit?
Absolutely. At BIGMOTO, we don't see why having a poor credit score should automatically deny you from owning a motorbike. We work closely with UK lenders to responsibly arrange finance for everyone. So, even if you've had difficulties in the past, we can still find a bike finance agreement that lets you choose the motorbike you need without needing to have all the cash upfront.
Frequently Asked Questions.
How do I get finance for a motorbike with bad credit?
Start by applying through a specialist dealer like BIGMOTO. We work with lenders experienced in bad-credit cases and exclusively offer motorbike finance. If anyone can help, we can.Will my credit score affect approval?
Yes, your credit score plays a role in approval, but it is not the only factor lenders consider. So, if your credit history is poor, there's no need to miss out.Can I sell my motorbike if there's finance outstanding on it?
You cannot legally sell a motorbike with outstanding finance unless you settle the agreement first. You can often settle the outstanding debt as part of the sales process, though.Is a guarantor required for bad credit finance on a motorbike?
A guarantor is not always required to purchase a bike on a finance agreement, but some lenders might request one based on your circumstances.Find your dream bike today.
BigMoto is more than a dealership - it's a community for riders who demand more. With a vast bike selection, unbeatable guarantees, and expert support, we're your trusted destination for all things motorbikes.
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