Affordability first
Any agreement must be suitable for your income and regular commitments.
Motorbike finance on benefits
Your income deserves a fair conversation.
Receiving benefits, a pension or other regular support does not stop you from making a motorcycle finance application. Mallory Motorcycles will take time to understand your circumstances and explain the process clearly.
FCA-authorised credit broker Respectful, straightforward support Finance subject to status
Finance on benefits
Regular income comes in different forms.
Benefits and pensions can form an important part of a household budget. When reviewing an application, a lender may look at the regularity of your income, your normal monthly spending, the motorcycle you are considering and whether repayments remain manageable.
Our role as a credit broker is to explain the available process and introduce customers to a carefully selected panel of lenders where appropriate. The lender makes the credit decision.
Accurate information
Complete income and outgoings details help create a clearer picture.
Clear next steps
We will talk through the process before a lender credit search is proposed.
Income we may discuss
Tell us about your complete financial picture.
There is no automatic outcome. What a lender can consider and the evidence it requires will vary by application.
Benefits and support
Regular benefits may be relevant to an affordability assessment, depending on the provider and your circumstances.
- Universal Credit
- Employment and Support Allowance
- Personal Independence Payment
- Carer’s Allowance
Pension income
State Pension, Pension Credit and private pension income may be relevant where they form part of your regular income.
- State Pension
- Pension Credit
- Occupational or private pensions
- Other regular, evidenced income
Your monthly budget
It is equally important to understand the commitments that come out of your income each month.
- Housing and household bills
- Existing credit commitments
- Insurance and transport costs
- Everyday living costs
How it works
A simple, considered process.
Applying does not mean you have been approved. We will make sure you understand the information requested and the next step in the process.
- 01
Choose your motorcycle
Browse our used stock or let us know what you are looking for.
- 02
Share your circumstances
Provide accurate income, outgoings, address and employment details.
- 03
Review available options
We will explain any next step and pre-contract information clearly.
- 04
Collect or arrange delivery
Once the agreement is complete, collect your bike or arrange nationwide delivery.
Part exchange
Your current bike could help with your next one.
An approved part exchange may be used towards your deposit or reduce the amount you need to borrow. We can provide a no-obligation appraisal of your existing motorcycle.
Explore part exchangeMotorbike finance on benefits FAQs
Questions answered clearly.
Every finance application is assessed individually. We will be open about the process from the beginning.
Can I apply for motorbike finance if I receive benefits?
You can make an application. Some finance providers may take certain regular benefit income into account, alongside your wider financial circumstances. Every application is subject to lender criteria, affordability checks and status.
Which benefits may be considered?
The income a lender can consider varies. It may include benefits such as Universal Credit, Personal Independence Payment, Employment and Support Allowance, Carer’s Allowance, Child Benefit, State Pension or Pension Credit. Please provide accurate details of all regular income and outgoings.
Do I need to be employed to apply?
Not necessarily. A lender’s decision is based on your individual circumstances, including whether the proposed payments are affordable and sustainable. Employment is only one part of that assessment.
Will I need a deposit?
This depends on the motorcycle, your application and the lender’s requirements. A deposit or an approved part exchange may reduce the amount you need to borrow.
What information will I need to provide?
You may be asked for evidence of regular income, details of your monthly outgoings, address history, bank details and information about the motorcycle you wish to buy. Requirements vary by lender.
Can I repay my agreement 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.
Take the next step
Explore finance for your next motorcycle.
Start an initial application online, or speak with the Mallory team first. Finance is not guaranteed and 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.