Build an accurate application
Complete information gives a prospective lender the clearest starting point.
Provisional licence motorbike finance
Plan your next step on two wheels.
Holding a UK provisional licence does not prevent you from making a motorcycle finance application. If you are aged 18 or over, Mallory Motorcycles can explain the process clearly while you choose a bike that suits your experience, budget and legal riding entitlement.
FCA-authorised credit broker Guidance for newer riders Finance subject to status
Important for provisional licence holders
You need a valid CBT certificate before you ride.
If you intend to ride a motorcycle on your 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
Provisional licence holders
Choose a bike and agreement that fit your circumstances.
A provisional licence is a normal part of many riders’ journey. A prospective lender may look at your income, regular outgoings, credit history, address and employment history, the motorcycle you are considering and whether the repayments are affordable.
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.
Ride within your entitlement
Check that your licence, training and insurance allow you to use the motorcycle you choose.
Keep the budget realistic
Any agreement must be manageable alongside all the costs of owning a bike.
Before you apply
Get the important details in place.
Taking time to consider the bike and the full cost of riding helps you make an informed decision.
Choose the right motorcycle
Consider the bike’s size, your experience, your licence entitlement and the type of riding you plan to do.
- Licence and training requirements
- Insurance availability and cost
- Suitable size and style of bike
- Maintenance and running costs
Plan your complete budget
Your monthly payment is only one part of the cost of owning and riding a motorcycle.
- Insurance, fuel and road tax
- Protective clothing and equipment
- Training or test costs
- Your existing monthly commitments
Have your details ready
Accurate information helps keep the application process straightforward from the start.
- Address and employment history
- Income and regular outgoings
- Bank account details
- Your chosen motorcycle
How it works
A clear route from enquiry to your next bike.
An initial application is not a credit decision. We will explain the available next step and provide appropriate pre-contract information before you enter into any agreement.
- 01
Find a suitable bike
Browse our used stock and choose a motorcycle that works for your experience and budget.
- 02
Apply with accurate details
Tell us about your income, outgoings, address and employment history.
- 03
Understand the next step
We will explain any available option before a lender credit search is proposed.
- 04
Arrange your motorcycle
Once everything is complete and you meet the relevant riding requirements, collect your motorcycle or arrange delivery.
Need help choosing?
Talk through your rider journey.
Our team can help with the motorcycle, a part exchange, delivery and the information needed to start a finance application.
Contact the teamProvisional licence finance FAQs
Answers before you apply.
We are here to explain the process clearly, not to make promises we cannot keep.
Can I apply for motorbike finance with a provisional licence?
If you are aged 18 or over, you can make a motorcycle finance application with a valid UK provisional licence. Lender criteria vary and every application is subject to affordability checks and status. Finance is not guaranteed.
Does finance approval mean I can legally ride the motorcycle?
No. Finance eligibility and your legal entitlement to ride are separate. If you intend to ride on a provisional licence, you must hold a valid CBT certificate before riding on the road, as well as meeting the relevant licence and insurance requirements.
Does the engine size affect whether I can apply?
The motorcycle and amount being borrowed are factors a lender may consider, but your ability to legally ride a particular bike is determined by your licence entitlement and training requirements, not the finance agreement.
What information will I need for an application?
You may be asked for identification, address history, income and outgoings, bank details and details of the motorcycle you want to buy. Requirements differ between lenders.
Will I need a deposit?
Deposit requirements depend on the motorcycle, the agreement and your individual circumstances. An approved part exchange may reduce the amount you need to borrow.
Can I settle 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.
Ready when you are
Explore finance for your next 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.