How To Get Financing on Motorcycle Gear

2 Mins read

Are you looking for ways to save money on motorcycle parts online? Whether you’re searching for quality women’s cruiser jackets or new parts for your exhaust system, motorcycle purchases can add up quickly. There are a few things you can do to get the best prices possible, including looking for sales and comparing prices between different businesses. But if you still aren’t sure how you’ll pay for the parts you need, financing may be the ideal solution.

Some stores that sell online motorcycle parts also offer financing options for their customers. These options often come with very competitive rates and terms designed to help you save money. Here’s how to get financing for your next motorcycle gear purchase.

Make a Qualifying Purchase

Most financing programs require a minimum purchase amount to qualify. If you’re buying expensive items like women’s sport bike jackets or pricey parts, you shouldn’t have a problem meeting the minimum. If you have any questions about qualifying purchases, just ask the company from which you’re planning to purchase.

Have a Qualifying Credit Score

Virtually all lenders have a minimum credit score requirement. This is to minimize the risk they take when they allow shoppers to finance their purchases. If your credit score is very low, it’s still worth it to talk to the store about minimum qualifications. If you’re looking for ways to raise your score, here are a few suggestions:

  • Pay down large balances
  • Increase your credit limit if possible
  • Clean up your credit report and remove any fraudulent information, if applicable
  • Negotiate outstanding balances with your creditors
  • Become an authorized user on someone else’s account
  • Make all payments on time

It’s important to realize that you can’t fix your credit score overnight. However, if you consistently take steps to improve it over the following weeks and months, you could improve it just enough to qualify for in-store financing when you’re ready to buy motorcycle parts online.


Once you’re ready to apply for financing, you’ll just need to enter a few pieces of information. The credit company will perform a “soft” credit check, which won’t affect your score very much. The credit check will help the financing company confirm your eligibility. If you’re approved, you’ll have access to a convenient credit line that allows you to make purchases now without paying for them in full now.

The nice thing about most in-store financing programs is that they offer very attractive terms. In some cases, you could qualify for as low as 0% APR financing for a period of time. Keep in mind that a down payment may be required in some situations, especially if your purchase is very large. Financing is a great option for all kinds of parts, including:

  • Helmets
  • Boots
  • Motorcycle parts
  • Jackets
  • Gloves
  • Pants
  • Tires
  • Motorcycle accessories

If a lack of money is holding you back from buying motorcycle parts online, financing can help. Once you receive the financing you need, make sure you stay current on all your payments so you continue to build your credit score and future borrowing power.