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creditohio wrote:personally, if you apply and get motorcycle loan it will cost you an inquiry and new tradeline. if you plan to pay it off over 6 months then i would put it on card. you have to look at your util. short term you may take a small hit on fico score but after 6 months you will be better off w higher fico.most car loans i believe are simple interest. meaning you pay interest and principal beginning with first payment. no early payoff penalty.if your loan isnt than your being ripped off