<prompt> Human: Okay so Ive been looking at getting my dream ATV and the one I want costs about 7,500. I dont have that much in my savings so Im looking at a loan. My credit union doesnt offer loans for ATVs but they said I could take out a personal loan. After doing a little research I found that personal loans have much higher interest about 15. I would like to use my tax return and put a 1,000 down payment on the ATV. Should I go to the ATV dealer and talk to them about it or will they charge me crazy interest for a loan as well? Or should I just save up until I can afford to pay for it up front or at least a better down payment? I would really like to avoid a credit card because all of the ones Ive looked at are like 3.99 interest for 24 months and then it shoots up to 20. I would like a longer term loan about 5 years. I have an average credit score and my debt to income is about 20 if that helps.  <response>: Taking out a loan for a toy typically isnt a great idea. Be patient and save up cash. 