well, i finally heard back from the local suzuki place today. they told me i needed a co-signer. is this their way of politely telling me my credit sucks? 

yep 

You can try your bank as well.. sometimes if you have had your account for a while they will finaince ya if suzuki (HSBC) wont

u got it....happened to me with my first car.

i suppose that's nicer than just flat out saying, your credit sucks,     right?

Also try Capital One 

For the love of God DO NOT GO WITH HSBC you will be sorry!! Look them up and see what problems people have been having.. PLEASE PLEASE PLEASE try and get financing elsewhere!

It's a SIGN!!!!!!


You're meant to buy used!!!


So the Credit Gods have written, so it shall be done.



USED!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

State Farm Bank is the Bee's Knees for new bike buying . 

when I was thinking about financing HSBC wanted some ungodly interest rate and I'd heard bad stories about very quick repo's.  My bank on the other hand gave me an awesome rate has the thing where you can miss a payment with no reprecussion.

Probably the best institution overall though, VW credit.  They financed my friend with absolutely no credit at a decent rate and worked with him to allow him to miss 2 payments while he got his life back on track after we were evicted and he had to quit his job

If you're not late with payments, and ya' don't miss 'em, then ya' don't have to worry about the repo (wo)man! 

I'm a cash and carry sort of guy,but Washington Mutual helped me.I have a repo from a few years back and they gave me a credit card.The limit is based on income and the limit can go up over time.If you make payments and pay it off from time to time.My interest rate is 9.0% annual.That's good considering my credit score is so low they won't put a number value on it.

It may just mean that you have no credit, which is better than bad credit.

Try www.lendingtree.com  they take your info find the best 2 or 3 lenders.  Each lender offers you an interest rate.  Accpet the one you like the best.   And you done   At least thats how I got my gsf

Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used

Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used

Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used

Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used Used



OK...  I'll leave that poor dead horse alone now.

 




(BTW, I agree with used! )

Personally, I say don't finance anything that you don't NEED. 

  best way to stay outta trouble.  that's why I didn't finance a bike

Used may be the way to go.If you have some idea what you'll get back on tax refund next year,get a loan and pay it off with tax monies.That's how I bought my bike.

i did plan to pay it off with taxes next year. i did go to lendingtree. i did go to capitolone. no luck. haven't tried my own bank yet. ah, i may just say  .      !@#$$##$%%$$ i hate credit companies. i hate money. allright. i'm just mad rambling now. i won't dirty up the forum anymore. time to shut my pie hole and go to bed i guess.

well dont give up yet, but if it seems hopeless, if you are slightly mechanically inclined find a wrecked bike fix yourself, and have a machine for hardly anyting, . might be an option to consider