Never finance a bike through the dealer unless you are getting a .9% interest rate like was mentioned before. I bought a handful of bikes when I was young for cash because I didnt have any credit. Financed my first quad to build my credit rating after not paying on my school loan for the first year I was out. Paid off the school loan early, but my credit was still in the shitter. 3 year loan, doubled payments and paid off in a year and a half. I financed my Katana for cheap and paid off early to build my credit even further. Did the same with the Vmax. Current bike was cash. Never paid more than 7% interest. Motorcycles and wise credit use are the reason that I have an 800+ credit score.