wimpywade94

ok, im getting a new quad now after about a year of waiting, the 05's are just going on sale right now at polaris for a clearnce event cause the 06's will be here soon,

I can get a brand new quad for 69$/month with 6.9% financing for 24/months, after that the interest is 17.9%.

Or what i would rather do, is try to get a personal loan and just buy a used bike off of someone,
The benefits to this are a decent interest rate throught the length of the loan, and a lower total price,
the con is no warrenty, and a higher payment for the first 2 years,

What do you all suggest i try and do? and especially for the loan officers here, i know there are a few, here is my next set of questions.

Im 19 next month, work 40-45 hours a week and bring home about 12000/yr
I have 2 bills that went to a bill collector last october when my mom was in the hospital, i just spaced them off, as soon as i got the notice they were in the collectors i paid them,

What do you think my credit will be like because of those 2 bills, and how hard would it be to get a personal loan compared to a loan at the dealership.

thanks for educating the uneducated.

wade