It’s great that you’re starting the process of building credit!
Motorcycles are considered a ” high risk loan” and without having at least a 630 credit score means your approval odds are low. That doesn’t mean buying a motorcycle is out of the question! Adding a co-signer with at least a 730 credit score to the finance application will greatly improve your approval odds and usually come with a better interest rate.
A great way to safely build credit is with a secured credit card from your bank or credit union. With a secured credit card, you provide the upfront funds, that usually starts around $300 to $500 dollars and then usually after 6 months to a year, the bank or credit union will up your allowance and give you back your initial deposit. Try using it only for recurring payments, something as simple as a cell phone bill will really help to jumpstart your credit score. Just make sure to check that the card does report to the major credit bureaus, such as Experian, Equifax, and or TransUnion.