Loan % seems high. How old are you? Are you still in school? Do you belong to a private bank? How is your credit? There are many ways to get a better loan. If your in school or in your early 20's or younger, go for a student loan or a car loan. If your in a private bank, get a loan through them, the percentage will usually be alot lower. And as always, if you have bad credit, then your loan % will jump up. If your planning on using the money for a bike, especially a first bike, don't do it. I would reccomend saving up cash for it rather than taking out a loan. You will end up damaging your bike, and if you wreck it, you are stuck with a loan payment and no collateral to put towards it and nothing to show for it.