Best way to Finance a Motorcycle?

I have been trying to buy a ninja 250 (and going through hell to find them). I finally found a dealer and got to one, but my credit and even my co-signor's credit weren't enough for kawasaki's financing. I'm just now finding out that there are actually ways to finance a motorcycle.. go figure. What is the best way? I had good credit, but something hit it and brought it to 690 and I can't find what it was. Since then, I've done 3 insurance quotes online, a wells fargo loan app, and the dealer checked me by myself, and with 2 different cosignors for the Kawasaki finance with HSBC bank. I hear they're impossible to get a loan from, and have decided to try for a credit union, or alternative method.My job doesn't have a union, are there any"average joe"unions? Can I get on with my cousin's teacher's union?What is the best way to finance a motorcycle with (now, subpar) credit? By best, I mean what WON'T turn me down.. MUCH thanks.Thanks for the answers. It is simply a ninja 250, 07 model. $2899 with taxes included at the dealer. Definitely the cheapest I've seen, cheaper than most the older'01 used models I've seen with many miles on them, actually. My dad and 43 year old brother were riders back in the day, and were disappointed and confused as to why they wouldn't lend me a small 3k for a cycle.Do they check your license or safety course status when checking for financing? Does it have anything to do with where you work, or just your credit? I think I'm hitting my credit hard asking for insurance quotes, credit unions, finances, and loans. BUT HEY.... it's stuff that has to be done.When getting a loan, I don't need full coverage insurance do I? Not if I walk in and pay cash to the dealer, right? The dealer just told me they use a credit union. But I should probably go through the union myself instead of through the dealer through the union, right?

Call credit unions in your area. Don't join until you know they will loan you the money. All credit is tight right now, even though interest rates are low.

Before you go into a dealership to buy a bike (or car) get your financing in order. Get a pre-approved loan from your bank. That would be a good place to start. It shouldn't be hard to find a $3k loan. I have USAA insurance and they also have good loan programs. You can ask your insurance company if they do loans.Every time you somebody checks your credit without approving you of something, your score goes down. So quit going Rambo on finding a loan and do your homework first.

Personally I don't believe in buying a bike on credit. Save your money and pay cash, or save less and buy one slightly used. Not owning something sucks, payments suck, full coverage insurance sucks.When you get a loan for a bike the loan giver holds the title of that bike. Whoever gives you the loan will want you to have full coverage insurance on that bike.