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.
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.
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:
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.
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.
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.
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.
Apply for a bad credit motorbike loanWhile 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.
Apply for a bad credit motorbike loanWith 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.
Apply for a bad credit motorbike loanThere 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. We also want to ensure that you have made your payments on time.
Apply for a bad credit motorbike loanA 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.
Apply for a bad credit motorbike loanA 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.
Apply for a bad credit motorbike loan
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.
Apply for a bad credit motorbike loan
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.
Apply for a bad credit motorbike loan
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. We also want to ensure that you have made your payments on time.
Apply for a bad credit motorbike loan
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.
Apply for a bad credit motorbike 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.
One of our Lending Specialists will call you to speak with you about your options.
We'll get to work on getting your loan pre-approved as soon as you supply the required supporting documents.
Once everything is verified, you can sign your contracts electronically.
Time to go shopping for your new motorbike or pick up the motorbike you've already chosen.
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.
One of our Lending Specialists will call you to speak with you about your options.
We'll get to work on getting your loan pre-approved as soon as you supply the required supporting documents.
Once everything is verified, you can sign your contracts electronically.
Time to go shopping for your new motorbike or pick up the motorbike you've already chosen.
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.
One of our Lending Specialists will call you to speak with you about your options.
We'll get to work on getting your loan pre-approved as soon as you supply the required supporting documents.
Once everything is verified, you can sign your contracts electronically.
Time to go shopping for your new motorbike or pick up the motorbike you've already chosen.
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
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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.
Just remember, we only transact motorcycle loans between $5000 and $30000.
Yes. You can finance a brand new motorcycle or secondhand with Ume Loans, again, just remember we only transact motorcycle loans between $5000 and $40000.
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.
