[RayOSV]

For credit scores:

all payments on time = good (necessary)
high balance to credit ratio = bad
high debt to income ratio = bad
paying more than the minimum = neutral although it will lower your balance
too many credit inquiries = bad as they think you're getting loans all over town

No one can tell you what will happen in a specific case for you. It all depends on how aggressively the lender wants to make the loan. Used (or even new) bike loans aren't on any lender's priority list. Loan principal is small and risk is high. Bike manufacturers use loans simply as a means of moving bikes.

A larger down payment (lower loan to value ratio) may help. A credit union or a bank that you've used for a long time may be your best hope.