FAQs

Have questions? we have the answers

Why choose MotoFinance?Why choose MotoFinance?
What vehicles do you finance?What vehicles do you finance?
How do I apply?How do I apply?
What finance rate will I be offered?What finance rate will I be offered?
Do I require a deposit?Do I require a deposit?
I have bad credit, can you still help me?I have bad credit, can you still help me?
Can I buy a motorbike from any dealership?Can I buy a motorbike from any dealership?
What documents do I need to supply?What documents do I need to supply?
If I complete an application online will it leave a hard credit search on my file?If I complete an application online will it leave a hard credit search on my file?
What happens if I have been declined elsewhere?What happens if I have been declined elsewhere?
Do you charge any fees?Do you charge any fees?
How much can I borrow?How much can I borrow?
Can I part ex a vehicle?Can I part ex a vehicle?
Does the finance come directly from you?Does the finance come directly from you?
How long does it take to get approved?How long does it take to get approved?
How long does it take to complete the loan?How long does it take to complete the loan?
When I apply, how long will it take to get a decision?When I apply, how long will it take to get a decision?
Do you do credit checks?Do you do credit checks?
How old do I need to be for motorbike finance?How old do I need to be for motorbike finance?
What Motorbike Licence do I need?What Motorbike Licence do I need?
Are you a broker or a lender?Are you a broker or a lender?
What finance products do you offer?What finance products do you offer?
What information do I need to provide for the application?What information do I need to provide for the application?
How do you ensure I get the best deal?How do you ensure I get the best deal?
Do you transfer funds to the dealer?Do you transfer funds to the dealer?
How soon will I receive the bike once its paid out?How soon will I receive the bike once its paid out?
What do I do if I have negative equity?What do I do if I have negative equity?
The apply form doesn’t allow me to enter a deposit or part exchange amount?The apply form doesn’t allow me to enter a deposit or part exchange amount?
Will the application effect my credit score?Will the application effect my credit score?
Can I get finance if I am self-employed?Can I get finance if I am self-employed?
Do you do guarantor loans?Do you do guarantor loans?
What are lenders looking at when I apply?What are lenders looking at when I apply?
What’s the difference between a soft credit search and hard credit search?What’s the difference between a soft credit search and hard credit search?
How long will my acceptance last?How long will my acceptance last?
Can I speak to you over email instead of over the phone?Can I speak to you over email instead of over the phone?
If I have an issue with the finance what do I do?If I have an issue with the finance what do I do?
I have a complaint about the vehicle – what do I do?I have a complaint about the vehicle – what do I do?
I have a complaint about your services – what do I do?I have a complaint about your services – what do I do?
I have also applied elsewhere – what should I do?I have also applied elsewhere – what should I do?
I have a low budget to get a bike – can you still help?I have a low budget to get a bike – can you still help?
What happens after I have been approved with you?What happens after I have been approved with you?
What proofs are needed at payout stage?What proofs are needed at payout stage?
What is the process from when I start my application?What is the process from when I start my application?
How do I sign my documentation and return proofs?How do I sign my documentation and return proofs?
Is there an age limit on the bike I can purchase?Is there an age limit on the bike I can purchase?
I am happy to proceed – what is the next step?I am happy to proceed – what is the next step?
How do I contact you?How do I contact you?
The lender requires income but I do not have payslips to hand, what can I do?The lender requires income but I do not have payslips to hand, what can I do?
I cannot get through on the phone – what can I do?I cannot get through on the phone – what can I do?
I need help with translation or need bigger text on the documents – can you still help?I need help with translation or need bigger text on the documents – can you still help?
Do I get a better rate if I buy a newer vehicle?Do I get a better rate if I buy a newer vehicle?
Can I finance delivery?Can I finance delivery?
If I am not happy with the rate offered, can anything be done?If I am not happy with the rate offered, can anything be done?
Can you speak to the dealership for me?Can you speak to the dealership for me?
When do I pay the deposit to the dealership?When do I pay the deposit to the dealership?
I am in an IVA can you still help?I am in an IVA can you still help?
I have a CCJ – can you still help?I have a CCJ – can you still help?
Do you finance electric motorbikes?Do you finance electric motorbikes?
Do you finance quad bikes?Do you finance quad bikes?
I have just passed my bike test, is this a problem?I have just passed my bike test, is this a problem?
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MotoFinance
Motofinance is a trading style of Scott Hardy Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 928906). Registered in England and Wales with Company Registration Number 12678451. The registered address is 4A Mottram Way, Macclesfield, Cheshire, SK10 2DH. Scott Hardy Ltd is also registered with the Information Commissioner's Office (Registration Number ZA773591). All finance is subject to status and income. We act as a credit broker not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. We are not an independent financial advisor and we act as their agent for this introduction. We do not charge you a fee for our services. Whichever lender we introduce you to, we will receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). For your reassurance, all of the lenders we work with could pay commission at different rates, but the commission we receive does not influence the interest rate you will pay. Our aim is to secure finance for you at the lowest interest rate you are eligible for from our panel of lenders. We will inform you what the commission amount is in good time before the Finance agreement is executed. By continuing to use the site, you consent to the use of cookies. Further information on cookies and how to disable them can be found in our cookie policy.