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Buying A Used Motorcycle At Ritebike

Ritebike is an independent, privately owned used motorcycle dealer based in Bradford. We are one of the largest, most trusted used motorbike dealers in the UK and have been for many years.

We understand that when buying a second hand motorcycle, there are certain things you need to look out for and research before your purchase. At Ritebike we provide you with all the information needed right from your very first enquiry and unlike some used motorbike traders, we are upfront with the condition of the bikes from the get go!

When advertising we go through the bikes paperwork and look over the machines in person. In our ads we include all the basic details like mileage, previous owners and so on. We then write about all the added extras and unique details on each specific motorbike. We don't miss out on any information; we include everything good or bad and leave the decision completely with you. We make buying a used motorbike straight ward and honest.

RiteBike Showroom

What Happens When You Enquire At Ritebike?

If you aren't able to visit our Ritebike showroom and see the 300+ bikes firsthand, worry not! We will be your eyes and ears.

When you contact our sales team, we will firstly pull the paperwork pack out for the bike you are interested in. We'll then talk you through exactly what is in the pack, neither elaborating nor downplaying the details but giving you the information as it is. If you like the sound of the used motorbike, we will then move onto photos!

The Ritebike sales team often explains to customers that while we are describing a motorbike, we are their eyes and ears. So the next stage of the process is the filming a detailed video of the second hand motorcycle you're interested in and taking many photos. This way you can look over the bike as if you were actually in our showroom. You don't have to worry about us ""skirting' over the bad bits, in fact, if there is an area of the bike we think isn't great, we'll make sure to photo it in detail. It makes no sense for us to sell a motorbike to you that isn't exactly as it was described over the phone. Customers would just be unhappy with the motorbikes, and the trust is lost.

Half of Ritebike's business is repeat custom, we are very proud of this fact and we work hard to maintain these stats, keeping you pleased is our number one goal.

If you can pop and see us in our showroom, excellent! You will be greeted by our friendly staff and have a coffee or tea made for you. It's then a case of wandering through the motorbike mega which is Ritebike; three rooms long and two floors tall packed full of second hand motorbikes. All different shapes and sizes, Ritebike makes sure we cater for all riders.

Ritebike is the largest and most trusted motorbike trader in Yorkshire; we aim to have a bike in for every occasion and every customer with over 300 motorbikes in stock at any one time.

Ritebike is a highly recommended & rated used motorcycle dealer, but don't just take out word for it check out our: Auto Trader Reviews https://www.autotrader.co.uk/bikes/motorcycle-dealers/ritebike-ltd-bradford-dpp-757621

RiteBike Showroom

Ritebike Deliver Motorbikes Nationwide

We deliver bikes all over the UK, our customers can be based up in Northern Scotland or down in London. So if you are searching for a used motorcycle dealers in London, Scotland, Wales or anywhere in England, Ritebike will deliver to your door with a small deposit and no payment made until you check the bike over at your house. Shopping for a motorcycle online was never so easy; you can still get the best deal in the UK with Ritebike, even if you don't live in Bradford, West Yorkshire.

Top cities our customers are from:

  • London
  • Birmingham
  • Manchester
  • Glasgow
  • Bradford
  • Chester
  • Leeds
  • Liverpool
  • Newcastle
  • Sheffield.
  • Belfast
  • Durham
  • Bristol
  • Nottingham
  • Southampton
  • Portsmouth
  • Leicester

..there are too many to mention!

Motorcycle Finance With Ritebike

Ritebike a trusted motorbike finance specialist; we work closely with some of the best and most trusted motorcycle finance companies in the UK. We can take in part exchanges as a deposit, and our onsite finance team can help get you the very best finance deal, tailored to your budget.

Even if you have bad credit, Ritebike can help. Our expertise in finance means that even if you have a bad credit rating we can still help arrange finance for you at the best possible rates available.

Our stock changes daily so please check in regularly to see our fresh motorcycles. If you see a bike you like, email or call us and we'll get back to you as soon as possible!

RiteBike Showroom

02/11/2017

Motorcycle Finance

4 tips for getting a good Motorcycle loan and FAQs!

Are you looking for motorcycle finance? This is Ritebike’s guide to getting you on two wheels!

1. Credit Score

A credit score is a system the lenders use to help them decide whether you quality for a particular credit card, mortgage, service and vehicle finance. A credit score is given once financial information has been gathered on you, indicating what type of borrower you are and how its predicted you will manage your repayments.

So what is a good credit score? A credit score is a three digit score that will help lenders decide whether they will loan you the money. Different leaders have their own credit scores, generally its considered 700 + is good on a 300 to 850 scale. So usually the higher your score the better your chances of being approved. Lenders see motorcycle loans as fairly risky due to the percent of bikes stolen or crashed so can be slightly harder than getting car finance.

What affects your credit score?

  1. Your available credit and your total debts
  2. Your history of credit payments
  3. Your past credit applications
  4. Your public records

Knowing your credit score doesn’t guarantee that you definitely will be approved, but gives you an idea of which offers apply to you or which areas you need to improve on before you apply.

2. Budget

You should work out your budget before applying for motorcycle finance, how much you can afford as a deposit and the repayments per month. Some motorcycle websites have an option to prop yourself against a bike, meaning you can fill in some details and play with the finance to make it suit you.

For example rite-bike.co.uk enables you to browse the different finance options, altering the deposit and monthly payments. Once you have an idea of how much money you have to work with and what you can afford going forward you will be able to budget for your bike!

As well as being able to prop yourself online with Ritebike, you can visit the shop and a helpful member of staff would be able to go through the different possibilities. At Ritebike we can fill in an online application when you’re sat with us and usually have an answer within 10 minutes.

3. Finance Options

You need to shop around to get the best finance available, some different options are:

  • Dealers

Most dealers offer motorbike finance through themselves, which is an easy way to go as you have your purchase wrapped up with one contact. These deals will be based on your credit score and history, all set up through the dealers.

At Ritebike you can apply for finance online or onsite with a member of staff, it usually takes about 10 minutes for us to find out if you have been successful. We have the luxury of dealing with more than one finance company so if you aren’t successful with our first company, we will put you forward with someone else and try our best to make sure you get a good deal.

  • Credit Cards

If you have a card which has enough line of credit, you could make your motorcycle purchase with that. There are pros and cons to this method, pros include no credit checks, applications or early re payment charges. Cons may involve high interest rate, this is something to research into and compare to the other payment methods.

  • Personal Loan

It’s possible your local banking institution or credit union might provide you with a personal loan. If you have a mortgage provider, they may give you reduced interest rates for personal loans also.

  • Cash in hand

There aren’t negatives when paying with cold hard cash, you don’t have to worry about monthly repayments or charges. Of course you have to have the cash to start with and be happy to take a large sum from your assets.

4. Compare Quotes

Once you have compared payment methods and quotes, you will know which is going to fit best with your situation. When looking at the quotes you will need to think about interest rates and read all the terms of the loan, don’t want anything catching you out!

The longer your loan is over, the lower your payments will be per month. However this would mean you have less equity in the bike if you want to sell it in a couple of years, you would also be paying more for the bike over a longer period of time due to the interest rates. It’s all about finding a balance between what you can afford to spend for the deposit and per month, paying off as much as possible without financially crippling yourself.

Make sure you read the SMALL PRINT before signing up to anything, don’t be afraid to ask questions.

FAQ – Motorbike Finance with Ritebike

How do I apply for motorcycle finance?

Appling for motorcycle finance is easy with Ritebike.net. Your finance proposal is linked directly to the motorbike you like, so if you see a motorbike you like on our website simply click ‘Finance’ tab.

In this tab there is a motorcycle finance calculator, you can Adjust Months that you would like the loan over, enter the Deposit you’d like to leave and alter the Annual Mileage. If you then click ‘Update Finance’ you can play with the figures until you find a deal which works best for you. The application takes just a few minutes and there is no commitment at this point.

How much deposit do a need?

It is recommended you have 10% deposit to put down on your motorcycle, however you can leave a minimum of £100.

What if I paid the motorcycle finance off early?

If you paid your motorcycle loan off early, there would be the added rate of one month’s interest.

Which companies do Ritebike.net use for finance?

MotoNovo - Thousands of customers choose MotoNovo Finance every week to buy their next car, van or motorbike. They offer a range of relevant products and services quickly, efficiently and competitively and have been doing so for over 40 years. They are one of the most trusted motorcycle finance companies in the UK.

Close Brothers Motor Finance - For the past 15 years Close Brothers Motor Finance have provided the finance solutions to get our customers out on the open road.

When will I get a decision after filling in the application?

This depends on your credit history, the more history you have the long the application takes to process. If you have a simple, straight ward file it usually takes about 10 minutes.

Who can apply for finance with Ritebike Bradford?

Anyone 18 years old + can apply for finance with us, however some people 20 years and younger are still required to provide a guarantor. Ritebike can advise you further on this, once they have your personal details.

Do I need a full motorbike licence to have a finance deal?

If you are applying for finance on a 125cc or less you must provide a CBT licence. If you are applying for finance on a bigger motorbike engine you must have a full bike license, again Ritebike can talk you through the different finance agreements that apply to you.

Can I get finance if I have bad credit?

There are different levels of bad credit, so Ritebike.net can only give you a definite answer after looking through your personal details. If our first two finance suppliers reject your proposal, we will try our best to get you a good deal with another company.

Can I get finance if I am self employed?

Again this is depended on your personal history and credit file, how long have you been self employed and what evidence of your earnings you can produce. Contact Ritebike direct to talk through your situation.

Is finance available on all Ritebike motorbikes?

Finance is only available on motorcycles 10 years old and less, the bike must also have less than 40,000 miles on the clock.

What do I need for motorcycle finance?

When applying for motorbike finance you will need to be able to provide your motorbike licence and utility bills from the last two months.

Do you need motorcycle finance?

Ritebike Bradford makes it easy to apply, stop by for a coffee and we can talk through your options!

Get in touch we would be happy to answer any questions!

Call us: 01274 670787

Email us: ritebike@hotmail.co.uk

Motorcycle Finance - Ritebike
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26/07/2016