FAQ

Some of our most frequently asked questions

The easiest way to apply is Online via our Motorcycle Finance Application Form

Amounts vary according to your individual circumstances, minimum remaining loan balance is £1500. The monthly payment amount will be discussed with you individually when you apply. Maximum is normally £20,000. Exceptions are made and can be discussed.

Yes you will need to have either a Full Cat A motorcycle licence or CBT pass to obtain bike finance. This is because you need to have passed your CBT (Compulsory Basic Training) to ride any bike over 50cc, so a CBT is now necessary for all 125cc riders. Above a 125cc you will need a Full Cat A bike license.

If you’re just starting out and want to step right up to Harley or a Ducati, you are going to need to complete a Direct Access course.

Our underwriters will request you return copies of any documents they require together with your signed loan agreement. Usually, you will need copies of payslips, bank statements or accounts for self-employed applicants, a proof of address, e.g: utility bill, rent book, bank statement etc.

Bike finance is only available to customers buying from motorcycle dealers. For bike finance you must be over 21yrs old, (Guarantor may be required). You will need to have a CBT pass or Full Cat A bike licence and normally be on the electoral roll. Some past adverse credit is usually OK.

You can apply if you are employed, self-employed, retired or in the Armed Forces. We can assist homeowners, tenants and customers living with parents. We have some guidelines to see if you are likely to qualify.

Yes, all loans are unsecured. Motorcycle finance is secured on the bike only.

Yes because the dealership will be able to offer you a guarantee which is always a minimum of 3 months even on older bikes.

Please use the contact page.

Bike finance is secured on the value of the motorcycle, an unsecured loan can be used for any purpose. Because our loans are secured on the bike we can be more flexible with underwriting.

Yes we have many customers taking CBT or Direct Access courses. You can still apply for bike finance but we would be unable to complete a deal until you had a pass certificate.

Yes but only for a 50cc moped. It is recommended you take a CBT.

Yes, we offer a distance sale service so it is not always necessary to sign the finance documents on a dealership’s premises.

Yes we offer bike finance for almost all makes, models and age of motorcycle.

No problem we have assisted many bike couriers finance a motorcycle for courier work.

Yes you can buy from any reputable dealership

There are NO application fees to pay.

Yes usually as long as you have proof of income.

We can offer a ballpark quotation of likely monthly costs but need you to make an application to give a firm written quotation.