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Motorcycle Finance: Get on the Road with Mallory Motorcycles
Good Credit | Bad Credit | CCJ’s | Defaults | Arrears | Benefits | Self Employed | Young Riders | Provisional Licence
At Mallory Motorcycles, we believe that everyone deserves the thrill of the open road. That’s why we’ve partnered with a panel of specialist lenders to offer flexible and accessible motorcycle finance, tailored to your individual circumstances. Whether you’re a first-time rider or a seasoned biker, we can help you find a finance solution that works for you.
Forget what you’ve heard about credit scores. We look at your current situation, not just your past. Our goal is to get you on the bike of your dreams with a finance plan you can afford.
We Consider All Circumstances
Our specialist lenders understand that a person’s financial history doesn’t always reflect their current ability to make payments. We take the time to listen to your story and find a solution, even if you’ve been turned down elsewhere.
Good Credit Scores
Secure the best rates on the market with our competitive deals for those with an excellent credit history. If you have a strong credit score, a history of making payments on time, and a stable income, you’re in a great position to get a fantastic rate on your motorcycle finance. We work to find you the most competitive offers available, ensuring your monthly repayments are as low as possible and you get the best value for your money.
Bad Credit Scores
Don’t let a low credit score hold you back. We have lenders who specialise in bad credit motorcycle finance and can find an affordable plan for you. We understand that life happens, and a poor credit history can be the result of a variety of factors. Our lenders are more interested in your ability to repay the loan today than they are in your past. We will work with you to find a manageable finance solution that fits your budget, helping you rebuild your credit while you enjoy your new bike.
CCJs, Defaults, & Arrears
We work with lenders who look past historical issues like County Court Judgements (CCJs), defaults, and arrears to focus on your present financial stability. These situations can make it difficult to get approved by traditional lenders, but our network includes specialists who understand these circumstances. We’ll help you find a loan that takes into account your current income and outgoings, giving you a fresh start.
Receiving Benefits
Yes, it’s possible. If you receive benefits as a source of income, we can still help you get approved for motorcycle finance. We have lenders who consider benefit payments as a form of verifiable income. Our process is designed to find a lender who is willing to look at your full financial picture to assess your affordability, helping you get the finance you need.
Self-Employed
We understand that income can fluctuate. Our lenders are experienced in arranging finance for the self-employed, using bank statements or tax returns as proof of income. Traditional finance companies often prefer a regular salary, but we work with partners who understand the self-employed lifestyle. They can assess your application based on your business’s financial health, looking at your most recent bank statements or tax returns to verify your income and get you on the road.
Young Riders
Getting finance can be tough for young riders. We have finance options that make it easier for young riders to get their first bike. Due to a lack of credit history, younger applicants can sometimes struggle to get approved. We can guide you toward lenders who have specific products for young drivers, helping you get approved and start building a positive credit history.
Provisional Licence
Holding a provisional licence doesn’t mean you can’t get motorcycle finance. We can arrange finance for riders with a valid UK provisional licence, depending on the bike’s cc rating. Many lenders require a full licence, but we have access to a select group of finance providers who are comfortable with provisional licence holders. This means you can get your finance sorted and the bike secured while you work towards passing your test.
What is HP Motorcycle Finance?
Hire Purchase (HP) is one of the most popular and straightforward ways to finance a motorcycle. With a HP agreement, you pay an initial deposit, followed by fixed monthly payments over an agreed term. Once you have made the final payment, you will officially own the motorcycle. This type of finance is ideal for those who want to own their bike outright at the end of the agreement, with no large balloon payments or mileage restrictions. It’s a simple and clear path to motorcycle ownership.
What is PCP Motorcycle Finance?
Personal Contract Purchase (PCP) is a flexible finance option that gives you a choice at the end of the agreement. With PCP, your monthly payments are often lower than with HP because a significant portion of the bike’s value is deferred until the end of the contract. At the end of the term, you have three options: you can return the bike, pay the optional final payment (often called a balloon payment) to own it, or use any positive equity as a deposit on a new motorcycle. PCP is a great choice if you like to change your bike every few years and want lower monthly costs.
How Finance with Mallory Motorcycles Works?
The process is straightforward. We act as a credit broker, connecting you with the right lender to get the best rates and offers from our trusted panel.
How to Apply?
You can visit our Used Bikes section where all of our available stock is listed, once you have selected a motorcycle, simply visit it’s listing page where you will find a finance calculator and application link.
Alternatively you can apply directly from our Finance Application Form and a member of our team will get in contact to discuss your motorcycle requirements.
Get Approved
We search our network of lenders to find a deal with an affordable APR that suits your circumstances. We will always work hard to ensure that you get the best deal and you will always be offered the lowest APR deal available.
Ride Away or Get Delivery
Once approved, we will work with you and the lender to ensure that all of the paperwork is completed in a timely manner. This can be done in store or via e-signing at home. We can then book your collection appointment or maybe it will be easier having it delivered to your home address.
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.