Build a clear application
Accurate information gives a prospective lender the right picture from the start.
Young riders motorbike finance
Your first bike should start with clear choices.
Starting out on two wheels can mean having little or no credit history. If you are aged 18 or over, Mallory Motorcycles can explain the finance process clearly and help you consider a motorcycle and monthly budget that work for you.
FCA-authorised credit broker First-bike guidance Finance subject to status
Important for young riders
You need a valid CBT certificate before you ride.
If you intend to ride a motorcycle on a provisional licence, you must complete and hold a valid Compulsory Basic Training (CBT) certificate before riding on the road. Finance approval does not replace your CBT, licence or insurance requirements. Read our guide to CBT and starting to ride
First-time rider finance
Limited credit history is only one part of an application.
Many young riders are still building their credit history. A lender may look at your income, regular outgoings, address and employment history, the motorcycle you are considering and whether the repayments are affordable — alongside your credit file.
Mallory Motorcycles is a credit broker, not a lender. We can explain the process and, where appropriate, introduce customers to a carefully selected panel of lenders. The lender makes the credit decision.
Plan your budget
Think beyond the monthly payment to the full cost of owning a motorcycle.
Choose the right bike
Match the motorcycle to your licence, experience and realistic monthly budget.
Before you apply
Three things worth getting right.
Finance should be a considered decision. Take time to understand the agreement and make sure the monthly commitment is right for you.
Set a realistic budget
Include the full costs of riding, not just the bike and its monthly payment.
- Insurance and road tax
- Fuel, maintenance and tyres
- Riding kit and training
- Your existing monthly commitments
Have your details ready
Complete, accurate information helps make the application process more straightforward.
- Address and employment history
- Income and regular outgoings
- Bank account details
- Your chosen motorcycle
Understand the agreement
We will provide clear information so you can make an informed decision before you proceed.
- Monthly payment and term
- Total amount payable
- Deposit and interest rate
- Important agreement terms
How it works
From first bike to first ride.
An initial application is not a credit decision. We will explain the available next step and provide the appropriate pre-contract information before you enter into any agreement.
- 01
Find a bike you love
Browse our live stock and think about a motorcycle that suits your licence and budget.
- 02
Apply with accurate details
Tell us about your income, outgoings, address and employment history.
- 03
Understand your options
We will explain any next step before a lender credit search is proposed.
- 04
Collect or arrange delivery
Once everything is complete, collect your motorcycle or arrange nationwide delivery.
Questions before you apply?
Talk through your first-bike plan.
Our team can help you think through the motorcycle, part exchange, delivery and the information needed for a finance application.
Contact the teamYoung rider finance FAQs
Answers before your first application.
We are here to explain the process clearly, not to make promises we cannot keep.
Can a young rider apply for motorbike finance?
Yes, if you are aged 18 or over, you can make an application. Every application is assessed individually and is subject to lender criteria, affordability checks and status.
Can I apply with little or no credit history?
You can apply with a thin credit file or limited borrowing history. A lender will look at your individual circumstances, including income, regular outgoings and the affordability of the proposed agreement. Finance is not guaranteed.
What will I need for an application?
You may be asked for proof of identity, address history, income and outgoings, bank details and details of the motorcycle you want to buy. The information required varies by lender.
Do I need a deposit?
Deposit requirements depend on the motorcycle, the agreement and your individual application. An approved part exchange may also reduce the amount you need to borrow.
What should I budget for besides the monthly payment?
Before applying, consider insurance, fuel, maintenance, protective equipment, road tax and any other regular commitments. The monthly payment must be manageable alongside your wider budget.
Can I settle my finance early?
You usually have the right to settle regulated hire-purchase finance early. Your lender can provide a settlement figure and explain how it is calculated under your agreement.
Related finance guides
Explore the route that fits you.
Ready when you are
Explore finance for your first motorcycle.
Start an initial application online, or talk to the Mallory team first. Applicants must be 18 or over. Finance is subject to status and affordability.
Mallory Motorcycles Ltd is authorised and regulated by the Financial Conduct Authority (FRN 1037062). We are a credit broker, not a lender. We can introduce you to a limited number of lenders and may receive commission for an introduction; this does not create an additional charge to you. Finance is subject to status. Terms and conditions apply. Available to UK residents aged 18 and over.