Hi. Let's start with a quick back story. Due to a personal situation, I don't have the ability to drive, and probably never will, so a good friend of mine has allowed me to use his Ninja 250 for the last year and a half to get to work and what not. Unfortunately, he'll be moving out of state in about two months and will be taking his bike with him, which means I'll need to get my own. I'm currently looking into financing, but I have a VERY limited credit history and I'm trying to avoid buying used off Craigslist and whatnot because I was burned about six months ago when the engine on it died after a thousand miles (it was checked out, serviced, and deemed fine when I bought it.) I can afford a $1500-$2000 down payment by the time my friend has to leave, but I'm sure that my lack of credit history is going to make it hard for me to get any sort of approval for financing, even if the interest rates are outrageous. Has anyone else here been in this boat before? Any recommendations as to what I can do to get approved for financing? I'm currently in the process of joining a credit union to see if they can help, but I still have my doubts. Any thoughts?