[LA.Rider]

it also sounds like best case scenario you will get 70% of the value of the bike at most on a new bike loan, probably closer to 50 on a used bike with your credit. I didn't catch the value of the bike you were trying to aquire.

And btw paying extra on payments doesn't make your credit any better, paying on time and never being late are the main things. Most agencies don't want you to pay extra, the more you pay the less they make, they just want their money consistently. After that it's your debt to income.