1. Apply Online
Enter some basic details so we know who you are, and what you're looking for! This will not affect your credit score. This is where you will submit your bank statements online.
Bad credit motorbike loans
Second Chance Motorcycle Finance
Need a second chance for a Motorbike? We have a bad credit loan for you!
At Ume Loans, we believe past financial setbacks shouldn't stand in the way of your future. Just because your credit history shows a few mistakes doesn't mean you should continue to be held back.
We understand how difficult it can be to get approved for motorbike finance with bad credit. That's why we offer bad credit motorbike loans tailored to your unique situation, so you can get back on the road with confidence.
Whether you're purchasing new or used, from a dealership or private seller, we give you the freedom to choose the motorbike that suits your lifestyle.
Even if you've been declined elsewhere, our experienced team of bad credit lending specialists will assess your financial position and work with you to find a solution that fits.
Focused on Your Potential
At UME Loans, we know that life is unpredictable, and a credit score can’t capture the full story of who you are. That’s why we take the time to listen carefully, understand your circumstances, and work with you to explore flexible loan options designed around your goals.
We’ll speak openly about your credit history, whether it involves missed repayments, defaults, or accounts in collection. There’s no judgement here, only a genuine commitment to helping you move forward.
By prioritising your potential instead of your past, we go beyond credit scores to find ways to say yes and secure your loan approval.
Bank Said No? Speak to Us!
At Ume Loans, we make it possible to ride away on the motorbike you want even if your credit history isn’t perfect. Here are some key benefits of financing with us:
Flexible Terms
You know your financial limits better than anyone. That’s why we offer flexible loan terms ranging from one to five years, allowing you to tailor your repayments to what’s manageable for your budget and lifestyle.
Repayment Options
We give you the freedom to choose a repayment schedule that suits you: weekly, fortnightly, or monthly. It's all about giving you control and helping you stay on top of your repayments with ease.
Simple Application Process
Our streamlined application process is fast, simple, and fully online. With potential same day approvals, you could be shopping for your new motorbike sooner than you think.
Bad Credit Motorcycle Loan Options
Higher deposits help offset lending risk.
A bad credit motorbike loan will typically result in a higher deposit than usual. If you cannot afford your monthly repayments, you will need to put down a higher deposit, so the lenders have less risk to consider when assessing your application. A higher deposit is standard if you have a poor credit history, and it offsets the cost of the premium. If you cannot put down a higher deposit, you should wait longer to apply for a bad credit motorbike loan.
Lower limits today, better loans tomorrow.
While you can still get approved for a motorbike loan with your poor credit history, you will likely have a loan with lower limits. It is essential to understand that you will likely receive a loan with lower limits if you get approved for a bad credit motorbike loan.
Higher rates apply but we work to keep them as low as possible.
With poor credit history, you will be subject to higher interest rates for your loan. Your application for the loan will be considered high-risk, but that is nothing to be too worried about. We will work tirelessly to ensure you get the best interest rate for your unique circumstances.
Additional documentation is typical for bad credit motorcycle loans.
There is typically additional paperwork involved with a bad credit motorcycle loan. You will need to complete more paperwork because our bad credit lenders want more information on your situation and how it has changed. As a result, our lending specialists may request your utility bills, payslips, or rent receipts to ensure you are bringing in enough money to pay your bills.
Secured loans with terms tailored to your budget.
A poor credit motorbike loan usually results in a two to three-year loan term that is secured. We might want to extend your motorbike finance to stretch out your payments so as to not stretch your budget. When your loan is extended out to a longer term, your monthly repayments will be lower, and you might have a higher interest payment. It is unlikely that you would get approved for an unsecured bad credit motorbike loan because unsecured loans don't require collateral.
5 Simple Steps To Getting Your Loan
Enter some basic details so we know who you are, and what you're looking for! This will not affect your credit score. This is where you will submit your bank statements online.
2. Speak with an Expert
One of our Lending Specialists will call you to provide proof of income and identification.
3. Get Pre-Approval
We'll get to work on getting your loan pre-approved as soon as you supply the required supporting documents.
4. Sign your documents
Once everything is verified, you can sign your contracts electronically.
5. Get your new jetski!
Time to go shopping for your new jetski or pick up the one you've already chosen.
Why Choose Us?
15+ Years
Experience in Alternate Lending
We Understand
We provide good people with a second chance
Our Team
Our team is passionate about helping people
Simple Process
Apply online in minutes
Bad credit score? Poor credit history? We have a bad credit Motorbike loan for you.
Questions aboutBad Credit Motorbike Loans?
Our team just love helping our customers buy the motorcycles they love and want, whether it’s brand new or a used motorcycle, we are very happy to share our Ume Loans reviews.
Yes. Brand new, used, road, quad or trail motorcycles can all be finance with Ume Loans. Many other lenders have a whole bunch of rules around the brand, age, and type of motorcycle you can buy, but you won’t find that at Ume Loans.
Yes. You can finance a brand new motorcycle or secondhand with Ume Loans.
Yes. We are happy to finance motorcycles bought both privately or through a dealer. Your Lending Specialist will make the process easy for you, by contacting the seller and arranging any information we need from them directly.
We can even give you a copy of the PPSR search we conduct to verify there are no prior outstanding loans on the exact motorcycle you are buying.
No. We customise your motorcycle loan repayment to suit your budget, making sure it is affordable for you, without the need for a large lump sum payment at the end.
No. A deposit is not necessary for you to obtain a motorcycle loan with Ume Loans, but even a small deposit can help your chances of approval, so it is worth considering paying some deposit.
Our team just love helping our customers buy the motorcycles they love and want, whether it’s brand new or a used motorcycle, we are very happy to share our Ume Loans reviews
Yes. Ume Loans have no minimum credit score requirement. We are more interested in your future and your ability to repay a motorcycle loan, than what has happened in the past.
We have FAQ’s on our web pages, customized to each page so the most relevant information is at your fingertips. You can see all our FAQ’s on the one page if you prefer
Let’s chat about your finance options.
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