The Best Bad Credit Motorcycle Loan might help you finance a motorcycle purchase even if your credit isn’t excellent. These loans are offered by a variety of lenders, with unsecured personal loans often being the best option for bad credit motorcycle loans.
The ideal motorcycle loans for individuals with bad credit should offer flexible repayment terms, an easy application process, and competitive interest rates. Before you decide to finance your new bike, be sure you understand the options and which one best meets your needs.
Best Bad Credit Motorcycle Loan
Upgrade:
Upgrade is recognized as one of the top bad credit motorcycle loan options because of its flexible lending requirements. It accepts applicants with credit scores as low as 560, making financing more accessible for individuals with poor credit.
Personal Credit Lines offers a variety of loan options to suit different financial needs, including personal loans and credit lines, which can be used to finance motorcycle purchases or refinance existing loans. However, it has a high APR range and also charges fees for origination and late payment and insufficient funds.
LendingPoint:
LendingPoint comes in second with its tailored approach to lending and a focus on helping individuals with less-than-perfect credit. By providing loan options for those with credit scores starting at 580, LendingPoint ensures that borrowers with bad credit can access the financing they need.
Its personalized loan solutions make it an ideal choice for motorcycle financing. It considers individual circumstances and financial situations to create a loan package that suits each borrower’s unique needs. However, its origination fees are between 0% and 7%, co-signers or joint loans are not permitted. And it’s not available in Nevada and West Virginia.
Universal Credit:
Meanwhile, Universal Credit stands out for its ability to serve borrowers across the credit spectrum, offering flexible loan terms to meet various financial needs.
Universal Credit’s competitive interest rates and willingness to work with borrowers with less-than-perfect credit make it a top choice for bad credit motorcycle loans, ensuring that individuals can access the funds needed for their desired purchases.
Upstart:
unique approach to lending sets it apart as one of the best bad credit motorcycle loans in 2025. By considering more than just credit scores when making lending decisions, Upstart provides opportunities for individuals who may have been rejected by traditional lenders.
Upstart’s use of AI technology enables it to analyze various factors, such as education and employment history. This ensures a more comprehensive evaluation of loan applications. This allows Upstart to provide personalized loan solutions for borrowers with bad credit, making it an ideal choice for motorcycle financing.
Avant:
Avant is chosen for its commitment to serving borrowers with credit scores as low as 580, offering unsecured loans that don’t require collateral. This makes it a convenient option for those with bad credit seeking motorcycle loans.
Avant provides quick access to funds, often depositing loan proceeds within one business day. Its simplified application process makes it easy for bad credit borrowers to secure the financing they need for their motorcycle purchases.
LendingClub:
LendingClub’s peer-to-peer lending platform connects borrowers with investors, offering a unique solution for bad credit motorcycle loans. By accepting applicants with credit scores starting at 600, it opens doors for individuals who may have been denied elsewhere.
With a focus on personal loans and a user-friendly interface, LendingClub stands out as a top choice for motorcycle financing in 2025. Its competitive interest rates and flexible loan terms make it easier for borrowers with bad credit to secure the funds needed to purchase their desired bikes.
Frequently asked questions
Can I get a motorcycle loan with bad credit?
Yes, several lenders like Upgrade, LendingPoint, and Universal Credit specialize in providing bad credit motorcycle loans. They offer flexible eligibility criteria and loan terms to help borrowers with less-than-perfect credit secure financing.
How do I improve my chances of getting a motorcycle loan with bad credit?
Improving your credit score, providing proof of income and stable employment, offering collateral, and having a co-signer can all help increase your chances of securing a bad credit motorcycle loan.
What interest rates can I expect for bad credit motorcycle loans?
Interest rates for bad credit motorcycle loans are typically higher than those for good credit borrowers. Rates may vary among lenders but can range from around 10% to 30% APR or more, depending on your credit score and other factors.
Are there any fees associated with bad credit motorcycle loans?
Yes, motorcycle loans for bad credit often include various fees, such as origination fees, late payment charges, and prepayment penalties. It’s important to review the loan agreement thoroughly to understand all the associated costs before committing.
How long does it take to get approved for a bad credit motorcycle loan?
Approval times for bad credit motorcycle loans can vary from a few minutes to several business days, depending on the lender and the complexity of your application. Online lenders often offer faster approval times compared to traditional banks.
Can I use a bad credit motorcycle loan to buy a used motorcycle?
Yes, most lenders offering bad credit motorcycle loans allow borrowers to finance both new and used motorcycles. Be aware that loan terms, rates, and requirements may vary depending on the age and condition of the motorcycle.
What happens if I miss a payment on my bad credit motorcycle loan?
Missing a payment on your bad credit motorcycle loan can have serious consequences, including late fees, damage to your credit score, and even repossession of your motorcycle. Contact your lender as soon as possible to discuss options if you’re struggling to make payments.
How can I improve my credit score after getting a bad credit motorcycle loan?
Improving your credit score after securing a bad credit motorcycle loan involves making timely payments, keeping credit utilization low, and maintaining a diverse mix of credit accounts. Over time, responsible financial behavior can help you build a better credit history and increase your credit score.
