It depends on who you go through. You can go through your bank or a credit union to finance, or the stealership. Either way, you will usually have to have insurance on it. You can find ways around it, but I really wouldn't suggest that. Sometimes insurance isn't that bad. It's too much for the amt that I ride, but for someone in your case, you had better figure that into the equation also. G/L and ATGATT.