<prompt> Human: As I said in the title, Im 22, low credit of 545 because Its less than 1 year old, and looking to buy a bike in the 6,500 range. Im trying to find a loan for the bike that wont gouge me on monthly payments, wont hurt my credit terribly, and obviously wont deny me. I really dont care too much on interest over time, Id just like to keep monthly payments low. Also, Ive just started a job that pays 44,000 a year minimum, and I suspect my monthly expenses will be relatively low.If it helps, Im a pilot planning on flying out of Salt Lake City, Utah, and have my legal residence still in Florida.Thank you in advanceEDIT: look folks, understand and respect all of your input, and appreciate that this may not be the greatest financial move I could possibly make, but respectfully, Im trying to find a reputable legal and non-scam place that I can find a loan for the amount Im looking for with bad credit. Please understand my main goal is finding a decent place to do this, not to be talked out of it. I ask that you will respect my decision, and if you have any info that may help me find this, I will appreciate it. Thank you againAssistant: I see this too often with young military folk. With your credit score, age, and choice of vehicle, your loan and insurance payments are going to be outrageous.If you started a job that pays 44,000 a year minimum, and I suspect my monthly expenses will be relatively low, why not save for the bike?Human: I understand the question, however I need a vehicle for this new job, as I currently dont have one to live out west. Edit: additionally, not that it may make a difference or pertain to your question, but I am not military.  <response>: You may need a vehicle, but you dont need one on credit. If you buy a clunker for 1500 that you drive for six months while you save, that might be a wiser option. Given your new credit plus young driver, the only lenders who will be willing to extend credit are the exact ones you dont want. 