Ok there seems to be a little confusion so let me break down the situation. I bought my bike new and financed through GE Money. Its not a standard loan its a revolving line of credit (I know im a dumbass and ill never buy a bike like this again). Anyway i made 2 late payments due to my gf having money problems that i helped her with so they are penalizing me by jacking up my interest rate to a very high percentage. Since this isnt a standard loan i cant refinance through my bank because of the amount. So now that thats cleared up, any suggestions?

and i have full coverage insurance so thats not an issue for me.