Guaranteed Motorcycle, Jet Ski, or ATV Financing With Bad Credit In Kentucky


Finding a lender in the state of Kentucky that is willing to finance a motorcycle, jet ski or ATV with bad credit can be frustrating. This is the reason why our staff spent countless hours assembling a detailed list below of dealers that are located across the state of Kentucky which can help people that have bad credit secure financing for their ride or personal watercraft. Please note that financing can never be guaranteed, but we have listed the best options to secure subprime financing.

L & L Auto Sales And Service located at 8331 Dixie Highway in Florence, Kentucky offers in-house (buy here pay here) financing that may help those with bad credit. Even though their main inventory consist of used cars, they have been known from time to time to carry motorcycles. L & L Enterprises was started in 1998 and more information on their inventory and financing can be found out by calling them at (859) 586-9600 or by visiting their car lot in Florence.

Unfortunately, our staff was unable to located any additional dealers that can help those with bad credit finance a ATV, jet ski, or motorcycle in the state of kentucky. If any of our viewers have any information that we have missed and can be listed above, please contact us at

Kentucky Lemon Law On Motorcycles, ATVs and Jet Skis

Unfortunately, the Kentucky Lemon Law (outlined in KRS Chapter 367, sections 840-846) only applies to new automobiles (there is NO used car lemon law) and does not apply to a motorcycle, motor home, conversion van, or farm equipment.

When Buying Used

Some people dread buying a vehicle, bike or watercraft, especially a used one. Here are some questions to ask yourself before making a purchase:

1) Is it in good mechanical condition? You may want to have the item inspected by a third-party mechanic (not the dealer's) before deciding to buy it or signing any documents. Some consumers request information about the previous owner, if the information is reasonably available. If you are able to obtain this information, call the former owner and ask them if they had any maintenance or other previous problems.

2) What if I have any problems after I buy the watercraft or bike? If the item is sold "As Is", then you will not be able to get a refund or get it repaired at no-charge by the dealership. Making a purchase "As Is" really means no warranties of any kind. Sometimes, there may be a manufacturer's warranty still if effect that will cover any repairs or a portion of it. . If you feel that the dealer made a fraudulent misrepresentation when making the sale, you may be able to file a claim for fraud under KRS 367.220 for violation of the Consumer Protection Act or revoke acceptance under the Uniform Commercial Code (KRS Chapter 355). However, you will have to prove it so before you buy, get everything is writing! The Kentucky Attorney General can't represent individuals in these matters so the consumer will need to consult a private attorney.

3) Can I cancel the sale if I change my mind? Even if done immediately, there is NO statutory right in Kentucky to cancel the sale on this type of purchase.

Beware Of Odometer Rollbacks

Under KRS 367.990 (18) Odometer tampering, if you discover that the odometer has been rolled back after purchasing a motorcycle, the buyer may be entitled to $1,500 or three times the actual damage, whichever is greater, plus court costs and attorney's fees. To file a complaint or for more information on this matter, please contact the Consumer Protection Division at the Office of the Kentucky Attorney General at (888) 432-9257.

Kentucky Motorcycle Laws And Safety Tips

in 1968, Kentucky enacted its first motorcycle helmet law for all riders. However, in July of 1998, the law was amended to require helmet use only by motorcycle operators that possess a motorcycle instruction permit, passengers and operators under the age of 21, and those riders who have had an operator's license for less than one year.

Before riding without a helmet, riders should know that during 2012, there were 96 fatalities and 1,490 motorcycle injuries in Kentucky . Of those riders killed, 59 were not wearing a helmet and of those bikers injured, 792 were not wearing a helmet. The fact is that according to the National Highway Traffic Safety Administration (NHTSA), helmets reduce brain injuries caused by motorcycle accidents by 44 to 65 percent and rider fatalities by 22 to 37 percent. In 2010, they have estimated that helmets have saved the lives of 1,550 motorcyclists and an additional 706 lives could have been saved if all the victims had worn helmets. When choosing a helmet make sure it is DOT-compliant.

Motorcyclist are required to wear an eye-protective device which meets the standards set forth by the Vehicle Equipment Safety Commission.

Although not required by law, motorcycle operators should choose to wear brightly colored clothing and turn headlights on, even in daylight hours to make themselves more visible.

Operators should wear only clear eye protection that is not tinted when riding at night.

Never ride a motorcycle while impaired by alcohol or drugs because it takes good coordination, balance, and good judgment to ride safety.

Always ride with the flow of traffic and obey all traffic laws along with only operating within your own skill level.

Your stopping distance may be increased if you have a heavy bundle or passenger so make sure to leave plenty of room between your bike and other vehicles.

See More Motorcycle Dealers That Provide Bad Credit Financing In Other States, or Try One Of Our Lenders Offering Unsecured Bad Credit Loans that can be used to purchase a new or used motorcycle.