ugh. find a decent deal on an old Magna, beautiful condition, clean, good maintenance history, etc. talk financing with the guy (note - I'm financing it to raise my credit score... need some installment loan history), he says he MAY not be able to get it done, because that's below the loan amount they usually finance. "hey, your financing came through... we can do 6.99% APR, for 36 months, and your payment is 114.99 monthly. glad we can get that approved for you... when did you want to pick it up?" *does math* *bike is for 2990* *loan is for at least 3800* "I'll give you an answer within 24 hours." Dumb bastard. Like I'm going to fixate on a monthly payment...