||Motorcycle loan questionsSo I'm looking to get a bike, I have it picked out, it's a sweet little deal. Brand new KLX250SF for $3999. |
Problem is my credit is less than awesome, my score is like a 633 right now and I only have about 10-11 months of credit history. No late payments.
But that's not my biggest obstacle, real problem is I've only been on my job for 2 months right now.
I make enough money to pay for the bike and have almost no expenses. Debt to income ratio is so small it's not even worth considering.
What I'm trying to find out is where to get a loan?
My bank shot me down as I expected. I don't have a cosigner by the way, so no help there. I've heard that online, bad credit lenders are super easy to get loans from even with terrible credit. That's pretty much what I'm looking for. But several quick Google searches turn up noting but shady sites that look like they were designed in 2001.
Does anybody know of any legit and proven online lenders? And does anyone know how easy it is to get financing through Kawasaki, they're credit card sounds pretty good and fairly easy to get?
I know I'll probably get stuck with a HORRIBLE interest rate, and I don't care. I plan to pay the loan off in 3-4 months so that's not really a concern. I can throw some money in as a down payment if I have to as well.
And because I have such a young and small credit history I can't really afford to go spamming loan applications, heck before I applied for a loan at my bank my score was 653.
I'd be super grateful for any help, I want to get this bike as soon as possible and get riding!