He said he has bad credit. What do else do you think could be on his credit to hurt him? He could have past due child support, over balance credit cards, bankruptcy, foreclosure, I picked the two most common items. Just because the market hasn't been stable means people are loosing money, I bet most people last year made 20% or better. Most good investors made 30%. And I never said op was a deadbeat. He should make smarter decisions to clean up his credit first if he plans on financing a bike. That way when he does he has a lower interest rate.