Copyright Mallory Motorcycles © 2023-2025. All rights reserved.
Motorbike Finance on Benefits
Don’t let your income source stop you. We can help you ride.
Mallory Motorcycles works closely with a panel of lenders who specialise in helping people with unique financial circumstances get approved for motorbike finance.
If you rely on benefits or tax credits as part or all of your income, you might worry about securing motorcycle finance – but you don’t have to.
We understand that modern life requires flexibility. Our lender’s decisions to approve finance is based on affordability and stability, meaning they actively consider regular, dependable income from a variety of sources, including many government benefits and pensions.
Totally and utterly professional service, bike purchased without viewing, only on line. Exceptional bike, exceptional condition. All in all an amazing service with Mallory Motorcycles, from my very first enquiry to delivery. A massive thank you
Amazing service, Gary was polite and informative from start to finish. Even managed to deliver a day earlier than first quoted. Love the bike, the one I've always wanted 😁 Thanks Mallory Motorcycles
Just purchased a Triumph Thruxton 1200R from Mallory Motorcycles in Ilkeston and couldn’t be happier with the experience. They gave me a great trade-in price on my old bike, and the whole process was smooth from start to finish. The showroom is clean, well-organized, and welcoming, and the staff were friendly and helpful throughout. Excellent service all around. I’d highly recommend Mallory Motorcycles to anyone in the market for a new ride!
Bought CB1000R from these guys, great service by Nick. They gave a full service and fresh MOT before delivering the bike. After sale communication is great. 1000% recommend 👌
Gary you were great you made getting my new bike so easy thank you
I bought a 2013 Yamaha Fazer FZ8 unseen from here when I saw their positive reviews compared to other sellers. Gary was fantastic with any queries and transparent about it's past owners and service. He was quick to respond and very happy to work through delivery and warranty options. Also did a complete service and had new tyres before being sold. They used a great courier too and the bike arrived quickly. I'd definitely buy another Moto from them in the future.
Control Over Your Finance
We work hard with our lenders to give you the ultimate control in your finance.
- Borrow from £2,000 to £100,000
- Flexible term - typically between 18 to 61 months
- Representative from 13.9% APR
- No Deposit Required
- All Circumstances Considered
What benefits can be included?
If you rely on a Disability Living Allowance (DLA), Personal Independence Payment (PIP), or another form of recurring, long-term financial support from the Government or another agency, we maybe able to help secure your motorbike finance!
These can include (but not limited to):
- Universal Credit (UC)
- Jobseeker’s Allowance (JSA)
- Employment and Support Allowance (ESA)
- Personal Independence Payment (PIP)
- Child Benefit
- Carer’s Allowance
- State Pension & Pension Credit
We're SAF Approved!
We’re 100% SAF Approved by the Finance & Leasing Association (FLA) – this means that all of our customer-facing staff have passed the Specialist Automotive Finance (SAF) Expert test.
This ensures that all of our team are prepared with the relevant knowledge to best advise you on available finance products and help find the right one for you!
How Hire Purchase Agreements Work
All our benefit-based motorbike loans are arranged through a Hire Purchase (HP) agreement, a straightforward way to get a bike and own it once the loan is repaid.
- Find Your Bike: Select the bike you would like from our available stock
- Apply: Complete our online application which we will submit to our panel of lenders to get you the best rate possible.
- Sign & Ride: Sign your agreement online or in-store then enjoy your new bike!
- Pay All Your Instalments: Once you have paid all your monthly payment, the bike legally becomes yours!
Frequently Asked Questions
Yes! We will always work hard with our panel of lenders to secure your finance.
Our lenders always look at more than your application and basic information – they will assess your overall ability to repay the finance amount – they look at benefits as a regular income.
Yes, if disability benefits are a primary or additional income source for you, our lending panel may be able to give you a motorbike finance loan.
You’ll need to have enough reliable income overall to comfortably afford the repayments and not stretch your finances while doing so.
Our lending panel offer benefit-based motorbike loans of between £2,000 and £100,000.
The total amount you are approved for will depending on your personal application.
Absolutely not! The cost of your benefit-based motorcycle finance is made up of yours deposit plus your loan payments which will include the interest.
There are no hidden fee’s or extras.
Our panel of lenders offer periods from 12 months to 61 months.
The length of finance may be limited due to the age of the vehicle you are considering – we can discuss this with you during your application.
Yes and it is highly recommended.
Paying your finance off early will result in a smaller interest charge and all of our lenders allow early repayments without any addition fines or fees.
A number of factors will determine if you would be required to place a deposit towards your finance.
This includes:
- Your credit profile
- Value of the motorcycle
Yes, we are more than happy to consider your old bike as part exchange towards your new motorbike.
Speak to us to discuss a valuation of your part exchange.
99.9% of all the motorcycles and scooters we have available in stock can be purchased on finance.
You will need to hold one of the following UK driving licences:
- CBT (Compulsory Basic Training)
- A1
- A2
- Full A
Nationwide Motorcycle Delivery
No corner of the UK is too far for the delivery team and it’s partners at Mallory Motorcycles. We proudly deliver to all major cities, towns, and even remote areas across the entire nation, including:
- London, England
- Birmingham, England
- Leeds, England
- Manchester, England
- Sheffield, England
- Milton Keynes, England
- Salford, England
- Sunderland, England
- Brighton & Hove, England
- Portsmouth, England
- York, England
- Colchester, England
- Chelmsford, England
- Exeter, England
- Gloucester, England
- Winchester, England
- Bradford, England
- Oxford, England
- Ripon, England
- Wells, England
- Liverpool, England
- Bristol, England
- Leicester, England
- Coventry, England
- Wakefield, England
- Nottingham, England
- Newcastle upon Tyne, England
- Doncaster, England
- Wolverhampton, England
- Kingston upon Hull, England
- Plymouth, England
- Derby, England
- Stoke-on-Trent, England
- Southampton, England
- Peterborough, England
- Southend-on-Sea, England
- Canterbury, England
- Preston, England
- Cambridge, England
- St. Albans, England
- Lancaster, England
- Norwich, England
- Chester, England
- Wrexham, England
- Durham, England
- Carlisle, England
- Worcester, England
- Lincoln, England
- Bath, England
- Hereford, England
- Salisbury, England
- Lichfield, England
- Chichester, England
- Newry, England
- Truro, England
- Ely, England
- Belfast, Northern Ireland
- Londonderry, Northern Ireland
- Lisburn, Northern Ireland
- Armagh, Northern Ireland
- Glasgow, Scotland
- Edinburgh, Scotland
- Aberdeen, Scotland
- Dundee, Scotland
- Dunfermline, Scotland
- Inverness, Scotland
- Stirling, Scotland
- Perth, Scotland
- Cardiff, Wales
- Swansea, Wales
- Newport, Wales
- Bangor, Wales
- St. Asaph, Wales
- St. Davids, Wales
East Midlands based used motorcycle and scooter dealership - focused on customer experience with finance, delivery and part exchange available on all of our bikes!
Mallory Motorcycles Ltd is registered in England and Wales (Company Registration number 13948787). Registered Address Unit 2 Griffon Road, Derbyshire DE7 4RF. Authorised and Regulated by the Financial Conduct Authority (number 1037062). Mallory Motorcycles Ltd is a credit broker and not a lender. We can introduce you to a limited number of finance lenders and for such introductions we will receive commission. The commission payment can be either a fixed fee or a fixed percentage of the amount you borrow. The lenders we work with could pay commission at different rates. The commission we receive will not affect the amount you repay under the credit agreement. All finance is subject to status. Terms and conditions apply. Applicants must be 18 years or over.