want to buy on payment plan

[99xtreme813]

WTB a gsxr 750 preferrably.. but alot of bike catch my interest.... here's the problem... banks wont approve me because i dont have enough credit... credit score is a 675 but they say i haven't gotten a large loan yet so they dont wanna give me a loan, so.. if anyone out there will let me go on a payment plan thru u, we can go to the bank and get a bill of sale and u keep the title until i pay off... i may be able to put about 2500 on the bike but i dont want a junker either, so please let me know... im gettN desperate... lol LMK

[Red98SS801]

Not to disappoint you, but you won't find anyone that will take a payment plan on a motorcycle. Its just too much of a liability for the owner of the bike, for instance if you get in an accident and kill someone the family is going to sue both of you, in addition if you wreck it/it gets stolen *MOST* people would just say tough luck to the actual owner of the bike. Not saying you would, but in most situations it will happen and I've seen it happen first hand. With a 675 beacon you shouldn't have a problem financing a bike if you put $2500 down I wouldn't think. Try a credit union or some place similar... MacDill Federal Credit Union is a good source to try. Good luck in your search as well, I just wanted to let you know how it is from the other side of it.

[tpagixxer]

call american general finance...they will give ya a loan

[99xtreme813]

i know it's a long shot but i figured i'd try... thanks for the credit union info's tho...

[Patrick]

how long are you planning on making payments to someone...cause as everyone is saying, the fact that you could pull out of the driveway and get hit by a mack truck doesn't do the seller any good

[Gloveman1386]

credit union will give you probably up to 8-10k

[supakilla]

hey haps cycle do in house finance dont need credit

[99xtreme813]

i went to a shot i think it's called Xtreme Motorsports on either 301 or S.R. 60 out in Brandon who does in house financing.... but they wouldnt approve me for $6k... i dont know what the hell is the deal... all i kno is i got a credit report from Equifax sent to me and i think it was like a 666 or 670... im not sure...

[99xtreme813]

Patrick... honestly if someone has a bike to sell that will let me pay them.... i'll pay $500/month.... w/ the $2k down... i mean it's not a money thing... it's gettN a fkN loan thing... lol

[RydinSolo]

i dont know how that is, i can go to Ocala Motorsports and get a bike right now if i ha $2000, my credit score is shit from my ex, it is like 423 right now and all i need is a 2000 downpayment and i can ride a brand new bike off the showrooms floor, maybe u can try there i dont kno wher eu live tho..

-Dustin

[CRXSiR]

i tried to get financed through my bank or a dealer..i had a credit score of 730..couldnt do it without a cosigner..it was because i had not been working at the current job for 3 (3 or 6 cant remember)consecutive months..maybe that could be the issue..?

[RydinSolo]

i dont know, ll i know is i have like THE SHITTYEST credit and i can go and get a bike right now , but i dont have the effin money, i wish i did becuz i want a bike so bad, but this car has been drainging me

[Patrick]

you can give me the $2k and make $500 a month payments to me and i'll sell it to you in 6 months! :)

[99xtreme813]

the problem they tell me is... yea i have a good credit score, but is only from 2 credit cards... it's a 675 i think it was credit score... no late payments, nothin... but they say they cant cuz they want a big loan or something like a car or a house... but i dont need a new car and i dont need a house... so i dunno... but i've only been at my current job for three months... but the last time i tried i was at my job for 2 years and they wouldnt give it to me... now im prolly juz gonna wait till im there for a few more months cuz my monthly income is higher now... either try and get another one after im there for 6 months or so or i'll just save up the cash...

[99xtreme813]

Patrick... if u up for it.... i'll do it... but not if u hold the bike till i pay off... u can get a Bill of Sale stating i will pay off the full amount by whatever time...

[Patrick]

Patrick... if u up for it.... i'll do it... but not if u hold the bike till i pay off... u can get a Bill of Sale stating i will pay off the full amount by whatever time...

wish I could help ya man

[DSTGST]

dude go to your bank and get a loan for $1000 they will do that pay it off in after you made 2 or 3 payments. so like 2 months (yes you have to wait a little) then you will have a loan under your belt and anyone will finance you. or just save up for a $3000 dollar bike then sell that when you are ready and get a better one. good luck

[99xtreme813]

tried gettN a $500 personal loan and it didnt work... my bank is shit

[RydinSolo]

dude you should be able to walk into a dealer and slap 2k down and say i want this bike, honda is most likley better go with threw financing, they think more of giving secon chances, thats what im doing when i get 2k saved, and my score is 423, they told me to come back with 2k and ill ride a bike off that day....

[RydinSolo]

Patrick, pm me im interested in your bike, pics and info on it would help

[99xtreme813]

thanks for all the info

[Skinnyjoint]

dude go to your bank and get a loan for $1000 they will do that pay it off in after you made 2 or 3 payments. so like 2 months (yes you have to wait a little) then you will have a loan under your belt and anyone will finance you. or just save up for a $3000 dollar bike then sell that when you are ready and get a better one. good luck

actually you should wait at around 6 months. but at least a couple would help a lil.

the problem that he may be having is how much money are you bringing in vs how much money are you paying out. obviously nobody would finance him if the plain math doesnt add up

[99xtreme813]

i make $2k/month and i have nothin but a $2000 credit card and phone bill.... so iono

[RydinSolo]

i hope that was a mis-type becuz if it wasnt thats there reason right there, u make 2k and spend over 2k a motnh on bills, if mis-tpye forget this reply, but goodluck, if you have 2k for a downpaymnet try www.ocalamotorsports.com or visit them in person and just say look i have 2k and i want a bike, talk to a guy named steve miller, he is a good guy and will help you out in every way possible

[99xtreme813]

na... the $2k credit card is $29/month and phone bill is $70/month... i pay other shit.. but i got it under the parents name... like my truck.. i got it when i was 16 so i had to keep it under their name...i spend about $500/month on bills

[Styl129]

Most of the time what you do is get a Yamaha Credit card with like 10k limit or something and they charge it on that.. i thought that was how my friend did it so young. Go to cycle springs in palm harbor. They will hook you up if you have 2k dp. If not have one of your parents cosign.

[RSXTC]

Orrrrrrrrrrrrrrrr....you can give the bank 5k, and they will keep your 5k, and give you a 5k credit card...and once you pay off the 5k credit card, they give you back 5k....so you will have your bike and an extra 5k....or however much money you wanted to spend on a bike...downsides is if you have the cash, why would you get a card and let the bank take your cash, and then pay off a 5k debt....because, then you will have great credit and at the end of the whole experice you will have, cash, whatever you gave the bank in the begenning.

does that make any sence?...i went to my bank about 20 mins ago and thats what they told me..I just applied for a 5k max credit car, and if i get denied that is an option they said.