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Don’t let a bad credit history prevent you from buying the motorcycle of your dreams. Before you start shopping for a motorcycle loan, it’s important to know your credit score. If your credit score is in the “very poor” range, or a FICO Score below 580, or “fair” with a score between 580 and 699, you may be looking for a bad credit motorcycle loan.
We’ll talk about how to find a lender that offers motorcycle loans for bad credit and what to do if you don’t qualify.
Bad credit motorcycle lenders
Your credit score plays a big part in determining your creditworthiness for a motorcycle loan. The higher your credit score, the more likely you are to qualify for a lower APR and favorable terms. Lenders consider borrowers with low credit scores to be at a higher chance of defaulting on the loan and will charge a higher APR to offset the risk.
Here are some lenders that offer motorcycle loans to consumers with bad credit.
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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
Starting APR
Loan terms
Minimum credit score
8.65%
Up to 60 months
550
6.99%
24 to 72 months
600
9.99%
24 to 84 months
580
6.40%
36 or 60 months
300
Consumers Credit Union offers loans for new and used motorcycles with terms up to 60 months (five years) and APRs starting at 8.65%, which includes a 0.25% rate reduction for automatic payments. To get a motorcycle loan, you must become a member of the credit union by paying a one-time $5 fee to the Consumers Cooperative Association and making a minimum $5 deposit into your account. Read our full Consumers Credit Union review.
myAutoLoan is a lending marketplace that will provide up to four motorcycle loan offers from partner lenders. If you are looking for a bad credit motorcycle loan, start by getting prequalified, which won’t hurt your credit score. This company prefers borrowers with credit scores of 600 or higher, but the lenders that extend loan offers will have the final say. Read our full myAutoLoan review.
Upgrade is a lending marketplace that offers personal loans up to $50,000 that you can use for any purpose, including buying a motorcycle. The APR includes an origination fee — a one-time administrative fee — of 1.85% - 9.99% of your total loan amount. You can select payment terms that fit your budget and timeline, and there is no penalty or fee for paying off a loan early. Read our full Upgrade review.
Upstart offers unsecured personal loans from $1,000 to $50,000 to borrowers with all types of credit. In addition to your credit score, Upstart also considers other factors such as education and employment. While you may qualify for a loan with bad credit, you’ll likely have to pay a higher interest rate. Plus, Upstart charges an origination fee of 0.00% - 12.00% that is deducted from your loan proceeds. Read our full Upstart review.
How much do you need to borrow for your auto loan?
As with any financial product, it’s important to compare offers from a number of lenders, including banks, online lenders and dealer financing.
Credit unions: The National Credit Union Administration (NCUA) reports that credit unions routinely offer lower average APRs than banks on a wide range of loan products. Credit unions are nonprofits and are generally more willing to work with those who have poor credit. Many credit unions only require a nominal fee to join.
Online lenders: Online lenders make it easy to apply for a loan from the comfort of your home. Since they don’t have as much overhead as brick-and-mortar businesses, they are sometimes able to pass the savings on to their customers (but namely to those that have good credit or better).
Banks: Some banks may not offer motorcycle loans or may not be willing to work with someone with poor credit. But if you already use a traditional bank for your day-to-day finances, it’s worth asking about suitable loan options.
Personal loan: It may be easier to get a bad credit personal loan than a bad credit motorcycle loan. However, you may pay a higher interest and more in fees, since most personal loans are unsecured. Many personal loan lenders, like Upgrade, charge an origination fee based on the amount borrowed. Many motorcycle loans don’t have an origination fee but are likely to require a down payment.
Dealership financing: Many motorcycle dealerships partner with a network of lenders and may be able to help you find a lender that works with bad-credit borrowers. After receiving preapproval offers from other lenders, you can ask the dealer if their lenders can offer you a better deal.
Manufacturer financing: Motorcycle manufacturers sometimes offer special low-APR financing deals, but these are usually reserved for borrowers with excellent credit. It may be harder to find a bad-credit motorcycle loan with the manufacturer’s financing company, like Yamaha Motor Finance or Eaglemark Savings Bank, the financing arm of Harley Davidson Financial Services.
Buy-here, pay here: Also known as in-house financing, buy-here, pay-here financing is usually the highest-cost option and may include the maximum legal interest. It’s best to find another option or postpone your motorcycle purchase until you can qualify for another type of bad-credit motorcycle loan.
What to do if you don’t qualify
If you want to buy a motorcycle but your credit score is too low to qualify, you still have options.
Pay cash
If you have cash on hand, consider buying a used motorcycle that costs less than a new one. Depending on where you live, you may be able to find a used bike for around $3,000. By paying cash, you can avoid interest and fees and start riding sooner.
Improve your credit
Before applying for any new financing, it’s important to tune up your credit score. Check your credit report carefully and dispute any incorrect information. If you don’t have much of a credit history, follow these tips on building your credit score. If you’ve had some bumps along the way, you can improve your credit score by reducing debt and paying bills on time.
Use a cosigner
Consider asking someone with good credit to cosign your motorcycle loan. Your cosigner should understand that they are legally responsible for the loan if you fall behind on the payments. Any late payments will hurt both of your credit scores.
Frequently asked questions
There’s no minimum credit score required to get a motorcycle loan — but the better your credit score, the lower the APR you will qualify for with less interest paid over the life of the loan. The best APRs are usually reserved for borrowers with excellent credit. If you have a poor credit score, you can expect to pay high APRs.
A down payment of 10% to 20% will reduce the amount you borrow and may make it easier for you to get approved for a motorcycle loan with bad credit. You can use a motorcycle loan calculator to see the difference in monthly payments with and without a down payment.
Harley Davidson Financial Services (HDFS) doesn’t disclose credit score requirements but says that it considers “many factors” when determining your creditworthiness. HDFS does allow joint applications, so if you think you won’t qualify on your own, you may want to consider applying with a trusted co-borrower with strong credit.
Compare Motorcycle Loan Offers
Advertising Disclosures
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace. SEOD-544 Mon
What portion of LendingTree’s services in connection with my loan request is free?
There is no cost to submit a loan request, get matched with lenders and receive conditional loan offers or quotes. You may review the conditional loan offers or quotes and talk to the lenders at no cost. Of course, the lender you choose may require a fee to process your formal loan application, appraisal, and/or credit report, but until you agree to pay the lender any fee(s), you may shop with LendingTree at no cost.
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As of 08-Mar-24, LendingTree Purchase Auto Loan consumers were seeing offer rates as low as 6.49% ( on a $70000.00 loan amount for a term of 60.00 months ). Here are some examples of offers consumers were receiving as of 08-Mar-24:
Loan Term (Months)
Loan Amount
Rate
APR
Estimated Monthly Payment
36
$10000.00
7.49%
7.49%
$311.02
$15000.00
7.49%
7.49%
$466.52
$20000.00
7.49%
7.49%
$622.03
$25000.00
7.49%
7.49%
$777.54
$30000.00
7.49%
7.49%
$933.05
48
$10000.00
7.69%
7.69%
$242.68
$15000.00
7.69%
7.69%
$364.02
$20000.00
7.69%
7.69%
$485.35
$25000.00
7.69%
7.69%
$606.69
$30000.00
7.69%
7.69%
$728.03
60
$10000.00
7.99%
7.99%
$202.72
$15000.00
7.90%
7.90%
$298.00
$20000.00
7.90%
7.90%
$385.00
$25000.00
7.90%
7.90%
$486.00
$30000.00
7.90%
7.90%
$595.00
72
$10000.00
7.99%
7.99%
$175.28
$15000.00
7.90%
7.90%
$258.00
$20000.00
7.90%
7.90%
$333.00
$25000.00
7.90%
7.90%
$420.00
$30000.00
7.90%
7.90%
$377.00
Disclosure Assumptions
Advertised rate based on actual offered rates to consumers over the past 30 days, using the same self-identified credit rating, appropriate loan-to-value for the vehicle, and where no such term, amount and/or offer was requested in a particular state the advertised rate is that of the lowest national rate offered using the same assumptions. Please note that your rate can be higher or lower than the advertised rate.
The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, license, taxes, fees, money down, trade-in, rebates, cash down amounts, the location and type of automobile as well as other factors as determined by Lenders.
Not available in all states.
Rates are subject to change daily without notice.
Payment amounts shown do not include taxes, licensing or fees.
Auto Legal Notice
California: For purposes of compliance with the California Financial Privacy Act, if you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at [email protected]. Married consumers may request separate credit. A married consumer may include a spouse’s income even when requesting for a separate account.
Maryland: We do not accept or solicit any fees or payments from you. When you submit a request to us and your inquiry is forwarded to one of our Finance Partners, you may be issued a Financing Agreement by a Finance Partner in accordance with Maryland Commercial Law Code §§ 12-125, 1013. This Financing Agreement must include: (1) the term and principal amount of your loan; (2) an explanation of the type of loan being offered; (3) the interest rate and, if the rate is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (4) the points, if any, to be paid by the borrower; and (5) the term during which the Financing Agreement remains in effect.
Ohio: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Vermont: For purposes of compliance with the Vermont Consumer Protection Act, if you are a resident of the State of Vermont and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at [email protected]
Wisconsin: No provision of a marital property agreement, a unilateral statement under Wis. Rev. Stat. § 766.59 or a court decree under Wis. Rev. Stat. § 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.
As of 08-Mar-24, LendingTree Refinance Auto Loan consumers were seeing offered rates as low as 5.49% ( on a $67000.00 loan amount for a term of 60.00 months ). Here are some examples of offers consumers were receiving as of 08-Mar-24:
Loan Term (Months)
Loan Amount
Rate
APR
Estimated Monthly Payment
36
$10000.00
6.34%
6.34%
$321.60
$15000.00
5.99%
5.99%
$457.00
$20000.00
5.99%
5.99%
$609.00
$25000.00
6.34%
6.34%
$764.00
$30000.00
6.34%
6.34%
$920.00
48
$10000.00
6.49%
6.49%
$249.61
$15000.00
6.24%
6.24%
$354.00
$20000.00
6.49%
6.49%
$473.00
$25000.00
6.49%
6.49%
$592.00
$30000.00
6.49%
6.49%
$710.00
60
$10000.00
6.59%
6.59%
$206.26
$15000.00
6.59%
6.59%
$293.00
$20000.00
6.59%
6.59%
$393.00
$25000.00
6.59%
6.59%
$489.00
$30000.00
6.59%
6.59%
$589.00
72
$10000.00
6.74%
6.74%
$169.24
$15000.00
6.74%
6.74%
$253.87
$20000.00
6.74%
6.74%
$338.49
$25000.00
6.74%
6.74%
$423.11
$30000.00
6.74%
6.74%
$507.73
Reducing your monthly car payments by refinancing? Keep in mind that if you choose to make your remaining loan term longer, the overall cost of your loan may be higher than without refinancing. If you decide to refinance with a LendingTree partner, you may be able to lower your monthly loan payment. However, if you choose a loan term that is longer than the term left on your existing auto loan, you will pay interest over a longer period of time, and the overall cost of your loan may be higher. Consult your financial advisor to see if refinancing your auto loan is right for you.
Disclosure Assumptions
Advertised rate based on actual offered rates to consumers over the past 30 days, using the same self-identified credit rating, appropriate loan-to-value for the vehicle, and where no such term, amount and/or offer was requested in a particular state the advertised rate is that of the lowest national rate offered using the same assumptions. Please note that your rate can be higher or lower than the advertised rate.
The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, license, taxes, fees, money down, trade-in, rebates, cash down amounts, the location and type of automobile as well as other factors as determined by Lenders.
The loan-to-value is <=80%.
Not available in all states.
Rates are subject to change daily without notice.
Payment amounts shown do not include taxes, licensing or fees.
Refinancing may not always result in lower overall interest and principal payments and it extends the life of the loan.
Auto Legal Notice
California: For purposes of compliance with the California Financial Privacy Act, if you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at [email protected]. Married consumers may request separate credit. A married consumer may include a spouse’s income even when requesting for a separate account.
Maryland: We do not accept or solicit any fees or payments from you. When you submit a request to us and your inquiry is forwarded to one of our Finance Partners, you may be issued a Financing Agreement by a Finance Partner in accordance with Maryland Commercial Law Code §§ 12-125, 1013. This Financing Agreement must include: (1) the term and principal amount of your loan; (2) an explanation of the type of loan being offered; (3) the interest rate and, if the rate is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (4) the points, if any, to be paid by the borrower; and (5) the term during which the Financing Agreement remains in effect.
Ohio: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Vermont: For purposes of compliance with the Vermont Consumer Protection Act, if you are a resident of the State of Vermont and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at [email protected]
Wisconsin: No provision of a marital property agreement, a unilateral statement under Wis. Rev. Stat. § 766.59 or a court decree under Wis. Rev. Stat. § 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.
Loan amounts from 10000 up to 30000
Annual Percentage Rates (APR) – As Low As*
Loan Type
Up to 36 Months APR%
48 Months APR%
60 Months APR%
New Car
n/a%
n/a%
n/a%
Used Car
n/a%
n/a%
n/a%
Refinance
n/a%
n/a%
n/a%
*Assumptions
APR is the Annual Percentage Rate. Rates quoted assume excellent borrower credit history. Your actual individual APR may vary based on your state of residence, applicable discounts, credit history, specific terms of the loan selected, verification of information, your credit history, license, taxes, fees, money down, trade-in, rebates, cash down amounts, the location and type of automobile as well as other factors as determined by Lenders.
Advertised rate based on actual matched rates to consumers over the past 30 days, using the same self-identified credit rating, appropriate loan-to-value for the vehicle, and where no such term, amount and/or offer was requested in a particular state the advertised rate is that of the lowest national rate offered using the same assumptions. Please note that your rate can be higher or lower than the advertised rate.
Not available in all states.
Rates are subject to change daily without notice. Rates are calculated based on participating Network Lenders rates as of the date stated above being averaged.
The following additional disclosures apply:
Credit subject to approval by participating Network Lender.
A loan fee may be required.
Assumes auto is new or less than one year old.
Interest rates assume excellent borrower credit history.
Rates and payment amounts will vary by state, collateral type and loan to value ratio.
Rates and terms are subject to change without notice.
Example: A six year fixed-rate loan for a $25,000 new car, with 20% down, requires a $20,000 loan. Based on a simple interest rate of 3.4% and a loan fee of $200, this loan would have 72 monthly payments of $310.54 each and an annual percentage rate (APR) of 3.74%.
Auto Legal Notice
California: For purposes of compliance with the California Financial Privacy Act, if you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at [email protected]. Married consumers may request separate credit. A married consumer may include a spouse's income even when requesting for a separate account.
Maryland: We do not accept or solicit any fees or payments from you. When you submit a request to us and your inquiry is forwarded to one of our Finance Partners, you may be issued a Financing Agreement by a Finance Partner in accordance with Maryland Commercial Law Code §§ 12-125, 1013. This Financing Agreement must include: (1) the term and principal amount of your loan; (2) an explanation of the type of loan being offered; (3) the interest rate and, if the rate is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (4) the points, if any, to be paid by the borrower; and (5) the term during which the Financing Agreement remains in effect.
Ohio: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Vermont: For purposes of compliance with the Vermont Consumer Protection Act, if you are a resident of the State of Vermont and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at [email protected]
Wisconsin: No provision of a marital property agreement, a unilateral statement under Wis. Rev. Stat. § 766.59 or a court decree under Wis. Rev. Stat. § 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.
Calculators are made available as tools for your use in researching and comparing products. LendingTree does not guarantee the accuracy of the results and you should seek individualized advice from qualified professional(s) who can assist you in regard to your personal financial circumstances. All tools and calculators are deemed examples and are for illustrative purposes only. Your final payment, interest rate, loan, amount and/or fees are unknown and all calculations are estimates only. When calculators are placed in LendingTree Widgets there are times when certain assumptions will be utilized, including, but not limited to the following:
Estimated annual property tax is 1.14%. Estimated annual homeowner’s insurance is $800. Annual homeowner’s association (HOA) dues are $0. Loan term is 30 years. This includes private mortgage insurance (PMI). These are examples only are not guaranteed amounts for any one location. Amounts are national averages from 2013 obtained from several sources. Estimated taxes and insurance amounts will adjust using the above assumptions when a new purchase/refinance/home estimated value is placed into the field and is not a guarantee of what actual amounts may be for any particular product or property.
Rental amount includes one year of rent (you place into the calculator) and rental insurance (based on the national average for 2013). Loan term is 30 years. Property tax assumption is 1% of the home value. Annual homeowner’s association (HOA) dues being set at $100. Maintenance of owning a home is assumed at 2% of home value. Personal tax rate of 33% is factored into the calculation(s). Calculator assumes home appreciation of 4% and a rent increase of 4% annually. The cost of selling a home is 8% of the sales price based on national average of repairs, staging, and Real Estate Agent commissions. The rate of return on investments after tax is assumed at 5% pursuant to 2013 statistics.
Mortgage Checkup and calculators are made available as tools for your use in researching and shopping for mortgage products and are not intended to be investment advice of any kind. LendingTree, LLC does not guarantee the accuracy of the results and you should seek individualized advice from qualified professional(s) who can assist you in regard to your personal circumstances. All tools and calculators are deemed examples and are for illustrative purposes only.
The calculator is for illustrative purposes only and uses an estimated rate, term, origination fee, mortgage insurance pre-payment, etc. from information gathered from the LendingTree Network. The calculator and a Reverse Mortgage Loan are not intended to be investment advice, or a recommendation by LendingTree as it cannot guarantee the accuracy of the results. Private mortgage insurance may be required and estimates of the same are used in the calculation, but the calculator does not include taxes and insurance, which are required to be paid during the duration of a Reverse Mortgage Loan. Rates vary by lender, by state, and on consumers LTV and personal financial situation. Terms and Conditions Apply and vary per lender, so ask each lender what costs, fees and terms are available for your personal financial situation.
The Reverse Mortgage calculator is an estimate only and not an offer of credit by any one Lender. Reverse Mortgage requires that one of the homeowners be at least 62 years of age; have a substantial amount of equity in your primary residence and you intend to remain in the home for the duration of the loan. Taxes and interest still have to be paid even while your mortgage payments may stop. Speak with a qualified Reverse Mortgage Counselor to discuss all of your options.
Mortgage rate quotes displayed on LendingTree LoanExplorerSM, including loan pricing data, rates and fees, are provided by third party data providers including, but not limited to, Mortech®, a registered trademark of Zillow®, LoanXEngine, a product of Mortgage Builder Software, Inc., and LoanTek, Inc.
LendingTreeAutos obtains listing information from auto dealers and other third parties directly so that you can shop multiple dealers. Prices listed and information provided about a particular vehicle and generally do NOT include sales tax, finance charges, title, license/tag, document fees, delivery charges, emission testing (where applicable) and fees, any or all of which may be added to the price to get the final sale price of a particular vehicle. LendingTree, LLC and LendingTreeAutos does not warrant or represent any information provided by Dealers and notes that you assume the risk of relying on the same as inaccuracies can occur which are outside of LendingTree’s control.
You are not required to accept the price listed and you can negotiate the price of the vehicle and/or the trade-in amount, money down, interest rate, etc. The final sale price and/or trade-in amount received elsewhere may be better than your final Offer.
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Advertised Terms and Information
The information and disclosures above relate to advertised terms made by or through LendingTree.
Interest rates and terms are from a lender or lenders with whom LendingTree may match you and that offer the particular product. The disclosures are current as of the date indicated.
LendingTree is not a lender in any transaction and does not make loans, loan commitments or lock-rates. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and criteria determined by the lenders to whom you are matched. Not all consumers will qualify for the advertised rates and terms. APR may be in lieu of rebates or incentives. Dealer participation may affect consumer cost.
You may not be matched with a lender making a particular conditional loan offer, and LendingTree does not guarantee that any lender will make you a conditional loan offer. LendingTree arranges for multiple conditional loan offers through its network of nonaffiliated lenders. See the Terms of Use Agreement for more details. The Terms of Use Agreement governs these advertised Terms and Information.
FICO score means the FICO credit score report that a lender receives from a consumer reporting agency.
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