Total Motorcycle Community Forums

Greetings-
I am new to this, and I posted a question about 'poor credit motorcycle loans" on "Start your Engines, so I won't "Whine" about this topic here.
Please give me your expierence on the subjuct, if you have the time.
Proud to be a small part of a wonderful site!
Thanx! Randy

This is how you buy a bike if you have no money or poor credit or both. Have ur girlfriend to add her name to the bike credit card, like Yamaha has their own credit card at 6.9%, purchace the bike with no money down, have the bike registraion only in ur name, not hers, finance the total on the credit card, when the first 3 monthy payments come in the mail, don't pay them, then in that time break up with ur girlfriend, tell her you just used her, you don't love her and stuff like that, then they will bill her for the bike and you get to keep the bike and there is nothing she can do. You ride for free, she pays. Lock the bike up inside a building with a chain and they can't enter the building to repo it. They will only repo it if she doesn't pay and she has to get a court order, she won't do both. she will pay. She still loves you, awwwww how sweet ha ha ha ha.

I'm not even going to comment on that one.


You can build up your credit. You can buy used. You can get financing, but the interest will be high.

aint it about time???????????????

My opinion, don't buy the bike if you don't have the money. And if you have bad credit maybe you should be working off your debt before you buy yourself a new toy?

I would seriously consider saving up and paying cash or buying a used cheaper bike. If you have poor credit you may be able to get financing through a bank that specializes in interest rates for poor credit applicants. But they very well apply interest rates close to the state legal limit. You'll end up paying for the cost of two of the same bikes by the end of the loan term or perhaps worse. If I had bad credit I think I'd be more concerned about rebuilding it than trying to finance a motorcycle or any large ticket item.

^ i agree with all of them ^

a motorcycle is a toy. if your in bad financial shape, or recovering from bad financial shape, a very expensive toy is the last thign you probably need. (think gear, insurance, gas, accessories like luggage or chrome pieces, maintanance, etc.)

good luck to you whatever you decide, but whatever financial trouble you are/were having, a bike wil not make it better.

Well, a motorcycle isn't a toy for everyone. For me it's my only transportation right now.

not sure exactly what you are asking so this might be off base but here goes...

if you have bad credit/no credit and you are trying to finance a major purchase bike/house/car/whatever don't do it.

sure there are all these companies out there that say "we can finance anybody for anything" but if you read the fine print you might as well just cut off one of "the boys" and hand it over.

if you need a bike/car/whatever your best bet is to buy a cheap used one with cash and get your credit under control before you even think of financing.

MotoF150 wrote:This is how you buy a bike if you have no money or poor credit or both. Have ur girlfriend to add her name to the bike credit card, like Yamaha has their own credit card at 6.9%, purchace the bike with no money down, have the bike registraion only in ur name, not hers, finance the total on the credit card, when the first 3 monthy payments come in the mail, don't pay them, then in that time break up with ur girlfriend, tell her you just used her, you don't love her and stuff like that, then they will bill her for the bike and you get to keep the bike and there is nothing she can do. You ride for free, she pays. Lock the bike up inside a building with a chain and they can't enter the building to repo it. They will only repo it if she doesn't pay and she has to get a court order, she won't do both. she will pay. She still loves you, awwwww how sweet ha ha ha ha.

God I wish you'd get banned. You add no value to this site - only mindless drivel.