I heard people say personal loans (credit cards, etc.) are hard to get here. You have to prove you have provable income and have to be really low risk before they will grant it. This is for locals too.
They say any loans for big ticket item where the item itself is used as collateral for the loan is very easy to get even with bad credit. The only question is how much interest will be. Things like house, big machines, maybe car is much easier to get loans for because the bank can track them and if you default the bank would repossess it.
Unfortunately scooter is too hard to track so banks treat it like a personal loan.