age 2018-02-01T15:31:08+00:00


How old do I have to be?

Scott Talbot

Motorbike Finance Expert

At The Motorbike Financer, we are pleased to say that age really is just a number. While you do need to be at least 18 years of age before applying for motorbike finance, we are often able to help young people to secure a loan – even those with bad credit.

Don’t worry if you’re an older driver either. Perhaps you’re retired or a pensioner – we can typically help people with circumstances like yours too.

We work with a number of specialist lenders who will consider motorbike finance even if your age has hindered any application for credit in the past.

Regardless of your age, when assessing any finance application our lenders will look at your driving licence status (whether this is a full or provisional licence), your income and your credit history.

If you are a younger driver it helps if you establish a credit history, as this is always going to be something that a lender will examine. You might start to build up credit by opening your own bank account or arranging some other form of credit, such as a store card or a contract for a mobile phone, should you not have any of these already. Another recommendation is to make sure you are on the electoral roll too (registered to vote).

Don’t worry if you haven’t got much credit – our large panel of lenders means that we do have specialist finance options available for those with minimal credit history, as well as for those with bad credit.

In the absence of any appreciable credit history, you could apply for a guarantor loan. This is someone (such as a parent) who has already established a good financial standing and who guarantees to make the credit repayments if you default on them for any reason. The maximum age for a guarantor that we can accept is 80.

Even if you no longer work, this is not an obstacle to you getting approved for motorbike loan, as long as you have some proof of income.

We consider all circumstances and can finance motorbikes from any reputable UK dealership, so why not use our motorbike finance calculator to see how much you could borrow?

The Motorbike Financer is a trading name of The Vehicle Financer Limited. The Vehicle Financer Limited is an appointed representative of Product Partnerships Limited which is authorised and regulated by the Financial Conduct Authority. Product Partnerships Limited FCA registration number is 626349 and its address is Salts Piazza Offices, Salts Mill, Victoria Road, Saltaire, BD18 3LA. Product Partnerships Limited’s permitted business is to act as a Principal for a network of Appointed Representatives who arrange regulated credit facilities for customers who are purchasing goods from them.

The Vehicle Financer Limited act as a credit broker not a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase. We will only introduce you to these lenders. We may receive a commission payment from the finance provider if you decide to enter into an agreement with them. You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations. If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at