It is common knowledge that motorcycle financing companies’ base high importance on your FICO credit scores when approving motorcycle loans. However, what many people overlook is that their FICO credit score can dramatically impact the term on their motorcycle loan along with the interest rate that is assigned to the motorcycle loan. In order to gain better motorcycle loan rates, it is highly important that you think of your FICO credit score as a picture of how risky you are to the lender. Yo.