Business Details
24 Years
experience
Motorcycle Finance Solutions for UK Riders
Established in 2002, Bikerloans has become the UK's leading motorcycle finance specialist, dedicated to helping riders of all backgrounds secure financing for their ideal bikes. Our manual underwriting process prioritises individual circumstances over automated credit scoring, enabling us to assist customers with diverse financial histories, including those previously declined by mainstream lenders. With expertise in financing road-legal motorcycles of all agesincluding modern classics, scooters, trikes, and quadswe offer flexible loan amounts from 1,500 to 20,000.Our team works directly with UK dealerships and private buyers to ensure competitive rates tailored to each applicant's risk profile, employment status, and credit history. We specialise in refinancing existing PCP balloon payments, providing homeowners with secured loan options, and supporting customers with adverse credit histories while maintaining transparency through zero arrangement fees. Our commitment to manual underwriting and customer-centric service has helped hundreds of motorbike enthusiasts achieve ownership since our inception.
Services
Motorcycle Finance
Car & Van Finance
Bike Refinancing
Classic Bike Loans
PCP Balloon Refinance
Scooter Financing
Trike Finance
Quad Bike Loans
Commercial Vehicle Finance
Credit Repair Loans
Details
- Year established: 2002
Highlights and features
- Manual underwriting with no automated credit scoring since 2002
- Specialist in financing for customers with adverse credit histories
- 24/7 premium support for motorcycle finance inquiries
- Competitive rates for homeowners with secured loan options
- Flexible refinancing of PCP balloon payments available
What people say
Most pain-free process
Extremely knowledgeable
Faultless service
Smooth and easy
Refreshing customer service
Services
Motorcycle Finance
Flexible motorcycle financing for UK residents aged 21+. Covers new and used bikes including scooters, trikes, and road-legal quads. Loan amounts from 1,500 to 20,000 with manual underwriting. No age or mileage restrictions apply.
PCP Refinancing
Specialist refinancing for existing PCP agreements. Clear balloon payments through competitive loans. Homeowners access secured rates from 5.2% APR. Process typically completes within two weeks with settlement letter required.
Classic Bike Finance
Tailored financing for modern classic motorcycles over 10 years old. Available to customers with good credit histories. Supports preservation and acquisition of timeless motorcycle models through flexible repayment terms.
Car Finance
Competitive car and van finance from 1,500. Covers prestige cars, imports, and classic vehicles. Available to homeowners, tenants, and HM Forces personnel. Terms up to five years with single credit search through partnered funders.
Adverse Credit Loans
Specialist financing for customers with CCJs, defaults, or limited credit history. Manual underwriting considers individual circumstances. Designed to help rebuild credit ratings through regular repayments on approved motorcycle or vehicle finance.
People
Nick McGowan
Finance Specialist
Experienced motorcycle finance expert with over 15 years in the industry. Known for personalised service and successful case resolution. Handles complex applications with transparent communication and tailored solutions for diverse customer needs.
Questions
Can I get motorcycle finance with bad credit?
Yes, we specialise in helping customers with adverse credit histories. Our manual underwriting considers individual circumstances beyond standard credit scores.
What types of bikes can you finance?
We finance all road-legal motorcycles including modern classics over 10 years old, scooters, trikes, quads, and trials bikes with no age restrictions.
How does PCP balloon refinancing work?
We clear your existing PCP balloon payment and create new repayment terms. Requires settlement letter from current provider and typically completes within two weeks.
Do you offer car finance options?
Yes, we provide competitive car and van finance from £1,500 for prestige vehicles, imports, and classics through partnered UK dealerships.
What are your interest rates?
Rates start at 5.2% APR for secured loans. Exact rates depend on risk assessment, credit history, and loan terms through our network of independent funders.
How quickly can I get approved?
Applications typically receive responses within 24 hours. Full loan completion for approved cases usually takes around two weeks with required documentation.