Bike finance. Made simple.
Spread the cost of your next off-road bike with finance from Santander. Soft search to start — no impact on your credit score. Most decisions in 24 hours.
Three steps from application to delivery.
Submit application
Fill in the Santander form below. Soft search only — won't affect your credit score.
Decision in 24 hours
Santander assess your application. We'll contact you the moment they respond.
Sign & ride
Sign the agreement, pay your deposit, and we deliver the bike to your door.
Santander Finance Application
Fill in your details below and we'll get the application straight to Santander. Most decisions come back within 24 hours.
Backed by one of the UK's biggest names in consumer finance.
AJ Trading is an authorised credit broker for Santander Consumer Finance. We've been arranging bike finance for our customers for over a decade, with thousands of riders successfully approved.
Finance is subject to status and affordability checks. APR varies based on your application. T&Cs apply.
Common questions.
Will applying affect my credit score?
No — the initial application uses a soft search only, which doesn't show on your credit file or affect your score. A hard search is only run if you decide to proceed after receiving your decision.
How long does approval take?
Most decisions come back within 24 hours, often the same day. We'll let you know the moment Santander responds and walk you through the next steps.
What deposit do I need?
Typically 10% of the bike's price, though this varies based on your profile and the bike. Larger deposits often improve approval odds and reduce monthly payments.
What's the typical APR?
APR varies based on your application and Santander's assessment. Representative APR is 14.9% but your individual rate may be higher or lower. You'll see the exact figure in your decision.
Can I pay it off early?
Yes. Santander finance agreements allow early settlement at any time. You'll only pay interest up to the settlement date, with a small early-settlement fee if applicable.
What if I've been refused finance elsewhere?
Worth still applying — Santander assess applications independently and have multiple tiers. If standard finance isn't available, we work with alternative lenders too. Give us a call to discuss your situation.
Can I finance a part-exchange deal?
Yes. We accept part-exchange against the deposit. Send us photos and details of your current bike and we'll come back with an offer the same day.
What if my application is rejected?
Don't worry, it happens. We'll talk you through it and look at alternative routes — sometimes a different deposit or term length changes the outcome entirely.