Motorcycle Financing?

I want a Ninja 250 they cost 3499 I have some money to put down like 600. I don't have bad credit just young I have a 620 credit score I make 20.59 an hour, what should I do I need the bike to commute to work Well my question was should I get Financed if so what is the best way or should I keep saving up money

1) ummm go to the bank and try to get a loan cuz I ain't giving you the money :) and 620 isn't a great credit score your choice.. add finance fees into the long term cost.. you will not be saving money getting a very small bike to ride instead of taking the car Thumbs down huh... do a reality check

2) man where do you work to make 20 a hour

3) Waterboy, If you make $800 a week and have a credit score of 620 you should be able to buy from a dealer and get a good used bike for a little more.(not saying a Ninja 250 isn't a good bike). Dealers have financing available. Shop around.

4) keep saving money...don't finance...financing it will require you to get full coverage insurance and a higher rate if you bought with cash ... rates will be lower and better bargain power when you have all cash in hand. (if you make $20.50 an hour it shouldn't take long to save up $3499)

5) Obviously you are getting to work now. Maybe you don't need it as bad as you think. Save your money and pay cash. You can always find a used bike for starters. But I understand the desire to get a bike, best purchase I ever made.



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