Guy, that's not an easy question to answer. Some lenders look more at past history for repaying loans, some look more at having a steady job history and the ability to repay loan. Honestly, the best and quickest thing to do is just sit down with the loan officer from where ever you decide to finance the motorcycle. Have your 'stuff' in hand.. driver's ID, Social Security Number (and maybe card), maybe a pay stub, any outstanding loan account numbers, power or telephone bill,.. I'm just throwing out stuff to give an idea what the loan officer may need. Then again, they may not need anything other than a signature. And you'll not know for sure until you talk to the loan officers. Good Luck.