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People with bad credit can obtain motorcycle loans, but just like auto loans these types of loans will have a much higher interest rate than motorcycle loans for people with excellent credit. Credit problems such as delinquent accounts, bankruptcy, or no credit history will all raise interest rates and make obtaining financing difficult in some cases. There are lenders who specialize in things like bankruptcy motorcycle loans, but just because a lender specializes in bad credit motorcycle financing does not mean that the interest rates will be lower or the application process any easier. If you are unable to obtain financing through a traditional lender, you should conduct an Internet search to find lenders who specialize in motorcycle loans for borrowers with bad credit. Even though you have bad credit, it does not mean that you should pay an application fee, origination fee, or closing fees. Look for a lender that does not charge unnecessary fees, and if necessary get a co-signer to bring the interest rate down.