I'm going thru my credit union. Just waiting for the bike. I'll sell my 08 CRF450, pay down the loan, and have it paid off by the time I'm ready to buy my next bike in 2011. Been working like a charm since 1999. We'll see if the used bike market wreaks havoc on my plans.... Considering you can buy a new 08 CRF for about $4200 BRAND NEW, I think you may be disappointed in the resell of your bike. Just finance more...It's just money. Something about financing a dirt bike just doesn't jive.