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Discussion Starter · #1 ·
Get a zero percent credit card for 1 year with whatever limit you can and go buy the bike that way. Minimum payments will be 2% of the total ammount which is very affordable and you will also have the title for the bike! This gives you the option to not only lower your min if you dont want to pay it all off but you have the title which allows you to sell the bike if needbe without problems. Remember with this option and if not paying off the full ammount to start looking for another balance transfer at about 2 months left so you dont get hit with interest on the full ammount. This is if you cant pay it off and just want to have low min payments for a long time.

If you dont like that option, then go and apply for a credit card that has a fixed rate on balance transfers of 3.99%. Use the check that comes with the card to payoff the amount and have it fixed at 3.99%...way cheaper then then 8 or 9% they offer at the dealership!

The only negative with this is it looks like outstanding debt on your credit checks and unless your going to re-finance your house or whatnot, really dont matter to much.
 
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