Thin credit file
Limited borrowing history does not automatically mean you cannot apply.
Bad credit motorbike finance
Past credit issues do not have to stop the journey.
If you have missed payments, defaults, a CCJ, a thin credit file or have been declined before, you can still make a motorcycle finance application. Mallory Motorcycles will listen to your circumstances and explain the available next steps clearly.
FCA-authorised credit broker Considered, human support Finance subject to status
Understanding adverse credit
One part of your story, not the whole of it.
Credit difficulties can happen for many reasons. A lender may look at your current income, regular outgoings, address and employment history, the amount you want to borrow and how manageable the repayments are — as well as your credit file.
That does not mean finance will be available. It means an accurate, complete application gives the finance provider the information needed to make a responsible decision.
Past payment issues
Defaults or missed payments may be considered alongside your current position.
Affordability matters
Any agreement must be suitable and affordable for your circumstances.
Before you apply
Give your application its best foundation.
Providing accurate information helps us and any prospective lender understand your current circumstances.
Choose a realistic budget
Think about the deposit, monthly payments, insurance, maintenance and other regular commitments.
Have your details ready
Gather your address history, employment details, income and outgoings before you start.
Be accurate and open
Always answer application questions honestly. This helps ensure any decision is based on the right information.
Hire Purchase
A straightforward route to motorcycle ownership.
Where finance is available, Hire Purchase (HP) is a common way to fund a used motorcycle. You usually pay a deposit followed by fixed monthly payments. When all payments and any option-to-purchase fee are made, you own the motorcycle.
We will explain the agreement, total amount payable and any important terms before you enter into it.
- 01
Choose your motorcycle
Select from live stock or tell us what you are looking for.
- 02
Apply
Complete the initial application with accurate information.
- 03
Review the outcome
We will explain any available next step and pre-contract information.
- 04
Sign and ride
Once the agreement is complete, arrange collection or delivery.
Part exchange
Could your current bike reduce what you borrow?
We can assess your existing motorcycle for part exchange. Subject to appraisal, its value may contribute towards a deposit or reduce the amount being financed.
Explore part exchangeBad credit finance FAQs
Answers before you apply.
We are here to help you understand the process, not to make promises we cannot keep.
Can I apply for motorcycle finance with bad credit?
Yes, you can make an application. Past credit difficulties, a thin credit file or previous declines do not automatically prevent finance, but every application is subject to affordability checks, lender criteria and status.
Can I apply if I have a CCJ, default or IVA?
Some lenders may consider applications from customers with CCJs or defaults. If you are in an IVA, you may need your Insolvency Practitioner’s permission before applying. Finance is not guaranteed.
Will I need a deposit?
Deposit requirements depend on the motorcycle, your circumstances and lender criteria. An approved part exchange may be used towards a deposit or to reduce the amount borrowed.
What information will I need to provide?
Lenders commonly need accurate details about your income, outgoings, address history, employment and the motorcycle you wish to buy. The information requested varies by lender and agreement.
Can I settle my finance early?
You usually have the right to settle regulated hire-purchase finance early. Your lender will provide a settlement figure and explain any applicable interest rebate under the agreement.
Related finance guides
Explore the route that fits you.
Take the next step
Ready to explore your motorcycle finance options?
Start an initial application online or talk to our team first. An application is not a credit decision, and finance is not guaranteed.
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.