Bike dealers

Specialists in sub-prime motorbike finance

motorbikes on finance with bad credit

We’ve been providing motorbike finance since 2004, making us one of the longest standing and most experienced motorbike finance providers in the UK.

Several members of our staff ride motorbikes, so we know and understand the differences between a customer who holds a CBT and needs a 125cc motorbike for commuting, and a customer that wants a 1000cc super sports for the thrill of the ride. We know that everyone is different and may need different things, so we can change our approach to help them in the best way possible.

Our flexible motorbike finance criteria

Whilst our flexible criteria helps us to lend responsibly, we’re flexible on things such as the age of the bike, mileage and the lengths of our agreements. We don’t have a vehicle age limit in our lending criteria, so we can finance motorbikes new and old. We also understand the importance in getting approvals for finance on the motorbikes your customers want to buy from you.

Fixed motorbike finance criteria

Aged 21+
UK resident
Driving licence capacity of 125cc motorbike

Flexible motorbike finance criteria

18 - 61 month terms
No deposit required
£2,000 - £15,000 lend
CBT driving licenses considered

Faster payments

We pay our dealer partners via Faster Payments, which allows us to send funds on completed finance agreements within 15 minutes upon receipt of all documents and proofs *. This allows us to process your onsite customers who want to ride away the same day. 

*97% of the time

We finance motorbike helmets and safety gear

motorbike helmet and gloves on finance

We’re sure you will agree that riding is the definition of freedom, but with the roads getting busier, we all need to ensure that when we do ride, the gear we wear is up to the job and fit for purpose. Our dealer partners have the option to include safety gear, such as helmets, jackets, gloves, and other accessories all within our finance agreements. We like happy customers, and we like safe customers too!

We finance electric motorbikes

Electric motorcycles are becoming increasingly popular, and with the 2030 deadline on the sale of new petrol motorcycles looming, sales of electric motorbikes are only going to increase. Whether its BMW's CE04 premium electric motorbike, the sportier electric Zero DSR motorbike or the more affordable Ultra 4000 Electric Scooter, it doesn't matter, we are ready to finance the electric scooters and motorbikes of today and tomorrow.

Stay in control of your applications

Our dedicated Dealer Portal is available to all our dealer partners. This allows our dealer partners to propose customers, upload documents, eSign customers, get real time updates on the status of all pending applications, and get instant decisions and credit limits. We also have a chat system built into our Dealer Portal, so if you’ve got a query or have an update for us and don’t have time to call, you can drop us a message and a real person will reply to you with an update.

An award-winning service

an award winning sub prime finance company

We’ve been voted Car Dealer Magazine’s ’Sub-Prime Finance Provider of the Year’ eight times!
But it’s not just our dealer partners who believe we have an award-winning service, our customers ratings and reviews contributed to us winning the Feefo Platinum Trusted Service Award for excellence in customer service! In September 2022, we were also recognised for the great service we provide to our customers and named ‘Best Car Finance Provider’ and ‘Firm of the Year’ in the Consumer Credit Awards.

Partner with us

Partner with us

If you want to work with one of the best sub-prime finance companies in the UK, First Response Finance is here for you. Our flexible criteria, award-winning service, and consistent recognition from the industry, we are the go-to sub-prime finance company in the motor trade that you can trust.

Partner with us and experience the difference of working with the best subprime finance lenders, dedicated to helping you and your dealership get more deals over the line. If you don’t currently work with First Response Finance and would like to discuss how we can help you and your sub-prime customers, click the button below fill out the form, and Brad from our team will be in touch to discuss how we can help you sell more cars on finance.

Partner with us

If you would prefer speaking to us directly, give us a call on 01156711755, and ask for Brad.