I don't understand if the balance on your loans are 25k, and you make over 50k a year, what's your monthly debt / income? It sounds like you should be well enough off you could save 2k up in a couple months.
What's wrong with going with a dealer loan anyway? You are almost guaranteed to get a lower apr if you shop special deals. But I guess 3500 isn't going to buy you a new bike unless you're shopping for a 250. Regardless, a dealer loan on a 3500 bike for 3 years is not going to kill anyone in the pocket book who makes 50k plus.
a credit score of around 650 is probably going to get you 10% apr, give or take 1%
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Mike Rowe 2012
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