+1, My opinion has always been that you don't finance a luxury item. That's what this is basically if it is NOT your only/main means of transportation. Trust me, I know how hard it is to NOT have a bike, but judging by what you said, you've got a lot of things going on. Wedding, a new house, a new car. The last thing you want on your credit is more debt when looking for a house. The mortgage market is VERY strict now. Even a clean, high credit score is not enough. If your Debt to Equity ratio is even remotely off, you'll be denied or you'll pay tens of thousands in higher interest rate on a mortgage. Even a pre-approval is not set in stone. Again, Trust Me on this. If you don't have $5k to pay in cash, what are you going to do for your down payment on your house? How are you paying for the car. More debt or less equity... if you MUST have a bike, look for a used one. Plenty of good ones for you to ride around on for under $2k. Do you have all your riding gear as well? Helmet, leather jacket, proper boots, gloves, etc? Cost of maintenance. Also home maintenance is something everyone forgets. Not sure if this is your first home, but you'll need to drop some Kwon when you first move in. Lawnmower, garden hose, curtains, furniture, blow-up dolls, washer and dryer. $5k easy. Don't forget that eventually your wife will also lose her diamond engagement ring even though you told her to be careful with it as you guys are moving then she'll do something stupid and take it off in a "safe" place and a day later she can't find it but somehow it's your fault and you have to buy her a new and larger one and you can't get insurance to cover it because you didn't rnew your rental insurance or you didn't officially move into your nw home yet so it's not applicable...or so I've been told this could happen . Then you'll need to budget annually a minimum of 1.5% of the value of the house for regular maintenance items like the unexpected hot water heater, paint, lawncare, roofs, etc. Not trying to overwhelm you. but getting married is stressful enough, but also adding a new home purchase and being stretched thin is not good. Every woman wants financial security. It's the biggest cause of divorce. don' get started on the wrong foot. Save up and then pay cash for the bike you really want. Nothing better than looking at your bike knowing you have a free and clean title in hand. Just my 2 cents and the events of the story above may be hypothetical situations that may or may not have happened to the author