Can You Get a Motorcycle Loan with Bad Credit?

If you are worried about getting a motorcycle loan because of your bad credit history, there are a few things you can do. Many lenders provide financing for bad credit borrowers.

Where to Find Bad Credit Loan Providers

Looking for a motorcycle loan with a poor credit record is easy. You shop for lenders online. The top three lending institutions are banks, credit unions, and online lenders. It is best to approach first the motorcycle loan financiers and credit unions because their interest rates are slightly lower than the banks.


Although motorcycle loan financing are available for individuals with not-so-good credit ratings, all criteria must be met before any loan will be approved.  Every lender will have their own standards and qualification guidelines.  Here is a quick list of the most common eligibility requirements you will need to meet:

  • You must be 18 years or older

  • You must be currently employed in the same company for at least 9 months

  • You must have a valid Social Security number

  • Your current earned income should qualify their standard (note that each lender has different income guidelines)

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