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I'm a new rider and I'm doing my research to deciding on how I want to go about getting my bike once I finish the MSCV course and get all my gear. I'm pretty set on the Yamaha R3. The idea i have in mind is to save 1-2k to put down on the bike and finance the rest (about 4k total with my down payment). Or there's the option of getting a personal loan and buying a ninja 300 from a private dealer used (4-5k total). I know the ninja option would obviously be cheaper, but it seems like the APR on the personal loan would be higher than the financing option....plus I'm really in love with the R3
Thoughts?
 

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Respectfully, it is a poor idea. Whatever you buy you will almost certainly drop. There will be big depreciation.

Why not just save $2000 and buy a Ninja 250 outright, ride it for a year or two, then sell it for basically what you paid, and then buy your dream bike? As a new rider you won't be able to discern the difference enough to matter. You certainly won't be able to ride the 250 to its capability.
 

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I'm a new rider and I'm doing my research to deciding on how I want to go about getting my bike once I finish the MSCV course and get all my gear. I'm pretty set on the Yamaha R3. The idea i have in mind is to save 1-2k to put down on the bike and finance the rest (about 4k total with my down payment). Or there's the option of getting a personal loan and buying a ninja 300 from a private dealer used (4-5k total). I know the ninja option would obviously be cheaper, but it seems like the APR on the personal loan would be higher than the financing option....plus I'm really in love with the R3
Thoughts?
Seeing 2015's for $4750 look around for a better deal.
 

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2015 Yamaha YZF-R3 Blu/sil - $4750 (Romney, WV)
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51 Industrial Park
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2015 Yamaha YZF-R3

VIN: MH3RH06Y0FK004349
condition: New
fuel: other
paint color: custom
title status: clean

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2015 YAMAHA YZF-R3

Call at (304) 908-4243 ext 263
or text 263 to (304) 908-4243 for full details

http://11949.motorcyclesforless.net/v/21204632/2/11601186/263

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Description

Engine Type: 2-cylinder DOHC, 4 valves per cylinder
Displacement: 321 cc Bore and Stroke: 68.0 x 44.1mm Cooling: Liquid Compression Ratio: 11.2:1 Fuel System: Fuel Injected Ignition: TCI: Transistor Controlled Ignition Front Suspension: 41mm KYB® telescopic fork; 5.1 in of travel Front Brakes: Hydraulic, 298mm Front Tire: 110/70-17M/C 54H Rear Suspension: KYB® single shock; 4.9 in of travel Rear Brakes: Hydraulic, 220mm Rear Tire: 140/70-17M/C 66H Dry Weight: Curb Weight: 368 lb. Fuel Capacity: 3.7 gal. Wheelbase: 54.3 in. Seat Height: 30.7 in. Trail: 3.7 in. Rake: 25 deg. Transmission: Constant mesh; 6-speed transmission Final Drive: Chain Colors: Raven; Team Yamaha Blue/Matte Silver; Rapid Red
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