Motorcycle Financing - Get pre-approved

As boring as this is, it is in your best interest to find out just how much you can afford, and go to your own bank or financial institution first. If you get your motorcycle financing at the bank you do all your other banking with, you stand a better chance of getting a good interest rate.
They will let you know based on your income and debt ratio just how much you need for a down payment and just how much you can finance, and for over how many months or years. This way you are armed
You can then head to that showroom with the new motorcycles, armed with the amount you have to spend, and then put your efforts into getting the best sticker price deal you can get, knowing that you have the backing of the financing in place. Sometimes the dealer will give you a better deal if you are paying the total amount upfront.
Motorcycle Financing - Shop Around. You can try other financing situations or companies, but at the end of the day, you are more likely to get the best deal with your own bank. Some will consider a line of credit if you have a home.