Originally Posted by KingofallBlacks

If you can buy your bike with cash i'd do that over financing. Having a cosigner is a MASSIVE headache. I've never had a cosigner but I cosigned for my dad bike a few years ago and the aspect of who is responsible for the loan can come into play when you really don't need it to. It's a long story but if anyone wants to know how bad it can be, i'd definitely share the story. Personally, I have financed all of my bikes. But I have always tried to be fairly smart about it. After the deal I got on my first bike, i've learned a thing or two and have been a bit more cautious. I'm on my 4th bike now. My credit is good and I was able to qualify for a 3.99% loan for my current bike during one of those sales events. So i'm not paying a lot of money in interest but it still adds up and im still paying more than I would if I had cash.
Do yourself a favor. As bad as you might want your bike, don't finance if you need a cosigner ( obviously your credit isn't so good ) and ABSOLUTELY DON'T try to finance and let some dealer do their magic and stick you into going with some shit company like HSBC. They will make you think you are getting a good deal by keeping your payments where u want them, but you will get fucked on interest. Like some 23+% which is right around what the bottom feeder banks will offer.

What year/model bike were you trying to get anyway?