Poor credit? We can still try to help.
We’re a credit broker, not a lender. Tell us a little about you and we’ll compare options across a panel of lenders to try to find a monthly payment that could work for your budget.
Poor credit motorbike finance made simple
Getting motorbike finance with poor credit can feel tough. At SuperBike Factory, we’re a credit broker, not a lender, and we work with a selection of lenders to help you explore options. Whether you’ve had CCJs, defaults or missed payments, we’ll look at your full circumstances and affordability to try to find a monthly payment that could work for your budget.
Submitting our quick form won’t impact your credit score at this stage. Our advisers will compare options across a panel of lenders. If you choose to proceed with a lender, they may run a hard credit search.
Choose from over 2,500 used motorbikes across our motorbike showroom, from 125cc motorbikes (CBT eligible) to popular models from Honda and Yamaha, with nationwide delivery.
Apply online first
Fill out the online form and our friendly team will look at your finance options.
No-deposit options
Some lenders may offer £0 deposit, subject to your circumstances.
2,500+ motorbikes
From CBT-friendly 125s to A2 and full-licence bikes, with delivery.
Who we may be able to help
- Missed or late payments
- CCJs or defaults
- Self-employed
- Agency or contract workers
- Mortgage or rent arrears
- Limited credit history
Every application is assessed individually by lenders. We never promise approval.
What lenders consider
- Affordability – income, outgoings and stability
- Budget fit – a monthly payment you’re comfortable with
- Vehicle – age, mileage and condition
How it works
- 1Apply online – complete a quick online form.
- 2We compare lenders – our finance team look across a panel for options that may suit your circumstances.
- 3Pick your bike – choose from 2,500+ options; add an extended warranty, tracker or paint protection if you want it.
- 4Ride away or get it delivered – if you decide to proceed, the chosen lender may run a hard search and we’ll finalise paperwork digitally.
Important: Credit is subject to lender checks and affordability. Not everyone will be eligible for a credit product.
What you’ll need for your application
-
Full name, email and mobile number
So we can keep you updated about your application. -
UK address history
Usually the last 3 years. -
Employment status & monthly income
Employed, self-employed or other. -
Monthly outgoings
Rent/mortgage, credit commitments, utilities, etc. -
Licence type & preferred bike
CBT / A2 / Full and the kind of motorbike you’d like. -
Optional: deposit amount
Some lenders may offer £0 deposit depending on your circumstances.
Tip: if you’re over 17 on a CBT, see our 125cc motorbikes.
Check if you’re eligible for motorbike finance
It takes a few minutes we’ll review your details and let you know what might be possible with our panel of lenders.
We are authorised and regulated by the Financial Conduct Authority for credit broking. We introduce customers to a panel of lenders and may receive a commission; this does not influence the interest rate you’re offered.
FAQs
Yes. The lenders we work with have different acceptance criteria; some of the lenders we work with will accept customers with CCJs and defaults.
No. Submitting our quick form won’t impact your credit score at this stage. If you choose to proceed with a lender’s offer, they may perform a hard search.
Not always. Some lenders may offer £0 deposit depending on your circumstances and the bike chosen.
Your APR is set by the lender based on your credit profile, the amount borrowed, term length and the vehicle. Rates vary by applicant.
Contact your lender immediately. Missing payments can affect your credit rating and may make future borrowing more difficult.
Yes — we help riders across the UK with online applications and nationwide delivery options.
Related pages
Motorbike finance options
Learn about finance types and how they work.
125cc motorbikes (CBT eligible)
Great for riders 17+ on a CBT licence.
A2-friendly motorbikes
Popular bikes that fit the A2 licence.
Honda motorbikes
Browse our latest Honda stock.
Yamaha motorbikes
Discover Yamaha models in stock.
Prefer to talk?
Our friendly team is happy to chat things through in confidence.
SuperBike Factory Limited is a credit broker, not a lender. FCA authorised and regulated. Finance is subject to status, affordability checks and terms. 18+ only.
We Have Helped People With:
CCJ's
HP Arrears
Bankruptcies
Mortgage
Agency Workers
Self Employed
Defaults
Benefits
Representative example: borrowing £3,000 over 36 Months with a representative APR of 25.4%, an annual interest rate of 25.4% (Fixed), and a deposit amount of £0.00, the amount payable would be £115.83 a month, with a total cost of credit of £1169.88 and a total amount payable of £4,169.88. SuperBike Factory is a credit broker and not a lender. Our rates start from 16.9% APR. The rate you are offered will depend on your individual circumstances. If you have a lower credit rating, you might still be able to secure a deal, however, it may mean higher monthly payments or interest rates. You could risk losing your vehicle if you do not keep up with payments. We can introduce you to a limited number of finance lenders and for such introductions we will receive a commission.
Total repayment of - APR of -
The figures are for illustration only.
Actual rates, terms, and monthly payments will depend on the customer’s credit profile, and lender acceptance & criteria.
Monthly Payments From£-
I'VE GOT BAD CREDIT - HOW DO I APPLY FOR FINANCE?
Are you looking for motorbike finance? At SuperBike Factory we will search our panel of lenders to try and find a solution for you.
1
Choose a motorbike
Choose your new bike with confidence. With over 3,000 quality used motorbikes to choose from, all of which are available to be delivered straight to your home*
2
Get a Quote
Complete our online application form, and we'll come back to you as soon as we can with a decision. We have helped people with a variety of circumstances and we always try to find the best product from our panel of lenders.
3
Get approved in principle
Forget the fuss - we'll handle it. One of our team members will compare lenders to try and find a deal for you and take care of all the admin along the way.
4
Sit back and relax
We’ll chase the lender and keep you in the loop every step of the way. Once your agreement is signed and your loan is paid out, you’re free to ride away!
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