Today, you can find motorbike finance with no deposit, pay monthly, and even qualify with bad credit. Whether you’re after a sleek scooter, a touring bike, or a sport model, there are flexible financing options tailored for your budget and situation.
Can I Get a Motorbike on Finance Without a Deposit?
Yes. Many dealers and finance providers now offer motorbike loans with no upfront payment. That means:
- You don’t need savings to start
- 100% of the cost is financed
- You spread payments over 12–60 months
- Options for both new and used bikes
This is ideal if you need a bike quickly but prefer not to tie up cash.
Pay Monthly Motorbikes – How It Works
Paying monthly is the most popular way to finance a motorbike in the UK. Here’s how it works:
- Choose the motorbike (dealer or online)
- Apply for finance with or without a deposit
- Choose the repayment period (usually 1–5 years)
- Get approved (even with low credit in many cases)
- Sign and ride – start making fixed monthly payments
Payments can start from £40–£150/month, depending on the bike, loan term, and your credit profile.
Motorbike Finance for Bad Credit – Is It Possible?
Yes. There are specialist lenders who work with customers who have:
- Low credit scores
- Previous defaults or CCJs
- No credit history
- Self-employment or irregular income
These providers focus more on your current ability to repay, not just your past. In some cases, you may need a guarantor, but many offer no guarantor loans as well.
Benefits of Pay Monthly Motorbike Finance
- No deposit needed – keep your savings intact
- Fixed monthly payments – easy to budget
- Improve your credit by making payments on time
- Access to newer, safer bikes
- Flexible terms – from 12 to 60 months
Some lenders even offer early repayment options with no penalty.
Where to Find Motorbike Finance with No Deposit or Bad Credit Approval
| Provider / Dealer | No Deposit | Bad Credit Accepted | Online Application | Bike Types |
|---|---|---|---|---|
| Superbike Loans UK | Yes | Yes | Yes | New & Used |
| Motonovo Finance | Yes | Case by case | Yes | Dealer-based |
| Black Horse Finance | Yes | With checks | Via dealers | Various brands |
| Bikesure | Yes | Yes (with proof of income) | Yes | Scooters, Sport, Touring |
| Zuto / CarFinance247 | Yes | Yes | Yes | Private sellers & dealers |
What You’ll Need to Apply
- Proof of ID and address
- Proof of income (can be payslip, bank statement or benefits)
- Driving licence (CBT or full)
- UK residency
Approval can happen within 24 hours in most cases.
Conclusion
You don’t need perfect credit or a deposit to get your next bike. With pay monthly motorbike finance options available for bad credit and no-deposit customers, it’s easier than ever to hit the road. Whether you’re commuting, exploring, or just love the freedom
