HIPCHIP
Well-Known Member
Only thing with that is I dont want a used bike because I dont want other peoples problems. And there is nothing I want thats just a few grand. I might as well spend my 6 and get something I want. Ive had a steady job for 4 and a half years, I can do the payments, insurance, maitence no problem. I just really want something new thats mine from the start. At least this way if something happens its most likely gonna be my fault. I figure, its new, its mine after payments, I can make the payments and do everything myself, and its not a 30,000 dollar car im paying off for 10 years either so why not.
Wasn't sure where you were at, so just making the suggestion, but it sounds like you are well on your way. I'd definitely check into a credit union then. If that does't work, go to E-bay motors and click on some cars. They usually have an on-line finance set-up, and you can apply through that company and see what they say. You'll probably do fine with a credit union though.
You might want to check with another bike shop to see if they have a better set-up. Back when I sold bikes we could pretty much get anybody financed as we had several finance companies to go through. Biggest problem with a young person with no credit is the interest rate will probably be much higher, but you can alway re-finance after a year or so.
Have fun, and keep the rubber side down.