<prompt> Human: My credit score is 605. Will a motorcycle loan for about 5-7k with an 18 interest rate for 2-3 years raise my credit score significantly more than a credit card would in 2-3 years?Disclaimer:This is not a give me a reason to get a new motorcycle I am completely fine with waiting and buying one with cash. But if a loan will help my credit a lot more than just a credit card, I might consider it.Maybe useful information:I use my motorcycle as my means to get work as well as a fun hobby. Its an older bike and it has been reliable but I would like to get something newer and in better condition as the parts for mine are are difficult to get and usually requires retro fitting parts from different motorcycles.So I was planning on putting away some money to buy a used motorcycle next riding season with cash. Ive only had one credit card and I messed up and ended up with a lot of latenonpayment fees and never paid it, that was a little over 3 years ago. It left me with a credit score of 605 checked recently. Things are better now and financially Im better than I ever have been.I went to a motorcycle dealership to buy new gloves and look at the different motorcycles with my wife.The salesman asked if I was interested in anything and I told him I was but dont have the cash now and probably couldnt get a loan with my credit the way it is. After I told him my credit situation he said if I got a loan for a motorcycle for about 5-7k I would have a high interest rate 18 but in the 2-3 years of the loan my credit score would rise significantly.At this point I could have given him a downpayment, sign papers and rode a 07 GSXR 600 home. But instead I came here for advice.  <response>: 18 interest borders on usury. This is not the way to recover your credit score. 