Helping With Bad Credit Finance

Bad or poor credit motorbike finance is more common than you might think, and it’s not always as straightforward as it seems. Lenders who offer finance to individuals with less-than-ideal credit are known as Sub-Prime lenders, whereas those who cater to customers with good credit are referred to as Prime lenders. Each lender uses its own criteria to assess your credit profile, often considering factors such as employment and residential status in addition to your credit history.

If you’ve missed payments on your credit card or phone bill, have defaults on loans, or have had County Court Judgments (CCJs) against you, it’s likely that you’ll be offered a higher interest rate (APR) than someone with a strong credit history. This is because lenders typically operate on a risk-based approach—the better your credit history, the better the rate you’re likely to receive.

However, having bad credit doesn’t mean that your monthly payments will be out of reach. We’ve partnered with lenders who offer a range of interest rates tailored to your specific circumstances, ensuring that finance remains within your budget.

At MotoFinance, we’ve carefully selected lenders who are open to working with all types of credit histories. If you’ve had financial difficulties in the past, all is not lost—we have lenders who take these issues into account. It’s crucial that any finance agreement is affordable, and we wouldn’t have it any other way. So don’t let past challenges stop you from applying—bad credit motorbike finance is definitely an option.

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No impact on credit score. Rates from 12.9% APR. Representative APR 22.9%