It is no secret that thin or no credit can hurt just like bad credit when shopping for motorcycle loans. The main reason for this is that lenders all have a variety of strategies on how to approach motorcycle loans in their loan portfolios. Some lenders see motorcycles loans as a risky but feasible business investment, while other lenders label motorcycles loans as a high risk money losing investment. Overall, the general perception of most lenders is that a motorcycle is a "toy" and therefore motorcycle loans are much more risky than other types of loans. This "toy" labeled perception from lenders is a critical component which makes shopping for a motorcycle loan much more difficult for motorcycle buyers with thin or no credit.