Answer: -515 is a pretty poor credit score. I have to imagine that the interest rates on your auto loan and credit card are pretty high.You do not need a motorcycle. You have a car.The best way to improve your credit is to pay your credit card balances in full EVERY month. This way you avoid paying interest, and you will build a good payment history and to make your car payment on time EVERY month.Until you have payed off your car, and raised your credit score to the high 600s to 700s you shouldn't finance a motorcycle.If you really want one, save up for it and pay cash. But your current debt takes priority over saving up for the motorcycle. -Sounds like you are able to get credit so there should not be any trouble in getting more. Maybe you should look at extending either the loan or credit card limit to buy the bike. Be careful though and have a sound debt management process in place, my profile has more under debt and resources to low credit loans. -Prosper.com is one way to go, but many have found, trying to get people to bid money on your listing with a credit score that low is next to impossible. I would try E-loan or credit.com, they both have motorcycle loans for bad credit and are probably your best bet. Or, just wait 6 months until your credit score rises.