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Do yourself a favor and by one for a couple of grand. It's not worth all the extra interest. When I was buying my harley last year they told me my interest would be 11.9%. I walked out of the dealership. My scores were low 700s. My point is I would never pay that. I ended up buying the bike at 4.95 %. I put down 5000 and the bike was 20000.I know I really didn't need it it was just a want but I was going to pay all that interest. Do yourself a favor and wait. Buy a used 250 to get yourself around.
This thread is going nowhere...fast. Time to move on.