First bike/financing questions.... - Sportbike Forum: Sportbike Motorcycle Forums
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post #1 of 19 (permalink) Old 11-06-2008, 02:10 PM Thread Starter
 
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First bike/financing questions....

Well, around income tax, I plan on going get my first bike.
A Suzuki GSXR 750.

Some of my friends who ride were telling me that Suzuki is easier to get financing for then Yamaha and Honda.

Any truth to this?
I'm asking because I got turned down by Yamaha already...

My credit score is in the upper 600's (I'm only 19).

They said my credit was great for my age, but since I just got my truck (an 08 Toyota Tundra) earlier this year, I had financed a good bit of money and they denied me.

However, I plan on putting down $2,000 on the GSXR, and I HEARD that Suzuki was easier to get financing for....and I'm frickin in love with the 750.

Any truth to this guys??

Thanks in advanced!!
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post #2 of 19 (permalink) Old 11-06-2008, 09:53 PM
 
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Your buying a 750 for your first bike...
I bought a 600 and it was more then enough for starting out!
lol
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post #3 of 19 (permalink) Old 11-07-2008, 03:27 AM Thread Starter
 
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All the guys at the dealership and my friends all said that I'd outgrow the size of a 600...I'm 6'1 and sitting on a 600 i feel squished up.

The 750 feels right...and I have ridden one already, I love them.

But thanks for your reply.
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post #4 of 19 (permalink) Old 11-07-2008, 04:21 AM
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Quote:
Originally Posted by gsxr750guy View Post
All the guys at the dealership and my friends all said that I'd outgrow the size of a 600...I'm 6'1 and sitting on a 600 i feel squished up.

The 750 feels right...and I have ridden one already, I love them.

But thanks for your reply.


I'll be kind and only directly answer your questions: No and no.

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post #5 of 19 (permalink) Old 11-07-2008, 05:17 AM
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Quote:
Originally Posted by gsxr750guy View Post
All the guys at the dealership and my friends all said that I'd outgrow the size of a 600...I'm 6'1 and sitting on a 600 i feel squished up.

The 750 feels right...and I have ridden one already, I love them.

But thanks for your reply.
Any difference you feel in the ergos between the 600 and 750 are completely your imagination. Those bikes are as close to identical as two bikes of different models can get - same seat height, same overall height, same overall length, etc.

What I don't understand is when a guy makes the argument for a bike based on the desire to not outgrow a smaller model, why doesn't he then just jump to a 'Busa or ZX-14? You'll not outgrow either bike. Maybe you'll say that those are too big for a first bike, and you'd be right. That's also true for a 750 - it's too much bike for a beginner.

You'll go ahead and get the 750 if you can get financing though, and in a few months you'll go into a corner a little hotter than you're used to, get scared and stand it up, and then run it off in the ditch. Hopefully, you'll have enough sense to be wearing gear and not get hurt too badly. Then one of us will take it off your hands and fix it up for a track bike for less than 1/3 what you paid for it new. If you finance it, be sure you get gap insurance on your loan.

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post #6 of 19 (permalink) Old 11-07-2008, 06:28 AM
 
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To the original question:
All the dealerships finance thru the same company, HRS, so it makes absolutely no difference. The financing takes into account not only your credit score, but also your available income, and I'm guessing that is the reason you've been denied.

On the other question, don't get a new first bike. You are almost certain to drop it, probably more than once. 4-5k can get you a nice bike that's a few years used. That way your wallet gets hurt a great deal less when the plastic touches the ground.

And as for 750 being more comfortable than a 600? WTF they use the exact same frame. The bikes are virtually identical. This may be hard to believe, but any person who tells you they outgrew their 600 can't ride worth a shit. They are everybit as capable as a liter, and in the right circumstances, they are actually faster.



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post #7 of 19 (permalink) Old 11-07-2008, 12:08 PM
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#1

I really don't have anything to add to "mkeeney's" and "Vash's" already excellent responses.

"Fat, drunk, and stupid is no way to go through life son." - Vernon Wormer.- Dean, Faber College.
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post #8 of 19 (permalink) Old 11-07-2008, 03:17 PM Thread Starter
 
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Damn, this forum is so bad ass already!

thanks for all your input guys!
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post #9 of 19 (permalink) Old 11-08-2008, 01:31 PM
 
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all these same dudes told me not to get a 600 a few weeks ago for my first bike. i would advise not to get a 750 for a first bike though. I'm 6'4 190ish 20 years old. the gixxers i sat on felt too small the handlebars are lower than is comfortable for me. same with r6. i almost went for a 2002 honda f4i maybe look into those. i went with a 05 zx6. 5,500 miles for $6000 its 636cc. sold my car, paid my car loan off and paid cash for my bike. i live in AZ though and its the same weather everyday here so we can ride year round. absolutely right about getting a used bike though. for sure your gonna drop it, i know i will eventually. Get a used 600, put aluminum frame sliders and just take it easy. oh and GET SOME GEAR! if you can afford to finance a 08 tacoma and 750 gixxer at 19, don't be cheap and get some nice leathers.
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post #10 of 19 (permalink) Old 11-08-2008, 02:44 PM Thread Starter
 
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Thanks for the input man. I think I'm going to end up getting a used bike.

Someone is selling an 06 YZF R6 with 5K miles for 5500. I think it's a pretty good deal, so I may look into that.
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