You'll have *WAY* better luck with financing if you go through a credit union. I couldn't even get a $2500 loan for some piece of crap Honda Shadow a while back, but then I tried GTE credit union and they financed my '01 Magna for me no problem. GTE, Macdill, and Pinellas County Teachers are all good places to get loans are exceptionally good rates. Try 'em out.