3 min read

Tips for Purchasing Your First Dirt Bike

National Powersports Financing : Updated on February 15, 2026

Buying a dirt bike can be an exhilarating experience, but it’s essential to approach it with careful consideration and knowledge. Whether you’re a beginner or an experienced rider, there are several key factors to keep in mind before making your purchase.

Determine Your Skill Level:

Before diving into the world of dirt bikes, it’s crucial to assess your skill level honestly. Are you a beginner who’s just starting out, or do you have previous experience riding off-road? Understanding your skill level will help you choose a bike that’s suitable for your abilities and preferences.

Set Your Budget:

Dirt bikes come in a wide range of prices, so it’s essential to establish a budget before you start shopping. Consider how much you’re willing to spend on the bike itself, as well as any additional gear and accessories you may need. Setting a budget will help you narrow down your options and prevent overspending.

Research Different Types of Dirt Bikes:

There are various types of dirt bikes available, each designed for specific purposes and terrain. Some common types include motocross bikes, trail bikes, and enduro bikes. Take the time to research each type and determine which one best suits your riding style and intended use.

Engine Size:

Dirt bikes come with a range of engine sizes, from small displacement engines suitable for beginners to powerful engines designed for experienced riders. When choosing a bike, consider your skill level, riding preferences, and intended use. A smaller engine may be more manageable for beginners, while a larger engine provides more power for experienced riders.

Think About Maintenance:

Owning a dirt bike requires regular maintenance to keep it running smoothly and safely. Consider the maintenance requirements of different bikes, including oil changes, air filter replacements, and suspension adjustments. Factor in the cost and time required for maintenance when choosing a bike that fits your lifestyle.

Test Ride Before You Buy:

One of the best ways to determine if a dirt bike is right for you is to test-ride it before making a purchase. Visit a local dealership or off-road park that offers demo rides and take the bike for a spin. Pay attention to how the bike handles, accelerates, and brakes, and consider how comfortable you feel while riding it.

Check for Fit and Comfort:

Comfort is key when it comes to riding a dirt bike, so make sure the bike you choose fits you properly. Sit on the bike and check for a comfortable riding position, with your feet able to touch the ground flat-footed. Consider factors such as seat height, handlebar position, and footpeg placement to ensure a comfortable fit.

Research Brand Reputation:

Be sure to choose a reputable brand known for producing high-quality, reliable machines. Do some research on different manufacturers and read reviews from other riders to get an idea of each brand’s reputation. Opting for a well-known and respected brand can provide peace of mind and ensure you’re investing in a quality bike.

Don’t Forget Safety Gear:

Safety should always be a top priority when riding a dirt bike, so don’t forget to invest in proper safety gear. Essential gear includes a helmet, goggles, gloves, boots, and protective clothing such as a jersey and pants.

Used vs. New:

While buying a brand-new dirt bike can be appealing, don’t overlook the option of purchasing a used bike. Used bikes can often be found at a lower price point and may still offer plenty of life and performance. Just be sure to thoroughly inspect any used bike before making a purchase and consider factors such as maintenance history and overall condition.

Consider Financing Options:

If purchasing a dirt bike outright isn’t feasible, explore financing options to spread the cost over time. Even if you don’t have the best credit, check to see what’s available, because there might be a perfect deal out there.

Remember to prioritize safety, test ride before you buy, and invest in proper maintenance to ensure years of enjoyment out on the trails. With the right preparation and knowledge, buying a new dirt bike can open up a whole new world of fun, exploration, and outdoor excitement.

Finance your ATV with NP Financing's Help

Considering National Powersports Financing? You're all set to purchase that Dirt Bike you've been eyeing! Take your time browsing through our selection to find the perfect match for your needs, based on the factors we've discussed. After that, simply head over to and apply for ATV financing. Don't worry if you have less than stellar credit or are self-employed! We work with all situations to help you get that dirt bike you've been dreaming of.

Ready to take the next step? Just click on "Apply Now" above. Alternatively, feel free to send us a message if you have any questions about our offerings or the types of ATVs and UTVs we finance. We're here to assist you every step of the way!

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