For those of you who buy on credit a question? Yamaha factory financing rates are 7.99% for 72 months. Is this a good deal compared to say a bank? Are motorcycle financing rates higher then an automobile? I have used Yamaha before on ATV financing and found the minimum payment due is less then half the normal monthly payment on promotion.I never had to use that option but found it nice in case of temporary hard times. No money down just sign and drive. Don't forget about the catch though. If a payment is missed the default rate goes to say 27% or if the promotion is not paid in full at 72 months you can expect 18.99% for the balance.Banks may be cheaper interest but require money down or shorter terms.No I'm not buying just always looking.