<prompt> Human: Hello rpersonalfinance, I am a 22 years old college senior, and I want some advice on whether I should take out a loan to finance motorcycle. I currently am enrolled in college and working part-time and work-study at my college. My parents are paying for my rent and tuition, and I am responsible for phone bill 60, gas 60, and living expenses ???; varies each month. With my work study and part-time job, I make around 800 per month 600 from part-time, and 200 from work-study, and since the car that I am using is my girlfriends car, I feel really bad to keep using her car because I dont want to be in an accident or to damage her car. So, I have been thinking about buying a motorcycle to commute back and forth from my work. I am currently looking at 10002000 used motorcycle from craigslist, but I am wondering if I should take out a loan so that I could purchase motorcycle without having to save money for it.My credit score is at 751, since I started to work recently and had to pay off some credit card debt from early this year, I have so far saved up 200 which I will be using towards getting the motorcycle license. That being said, I am wondering if I should take a loan to finance the motorcycle.  <response>: A motorcycle isnt something you take a loan out on unless youre buying new. When I bought mine when I was a senior in high school. I saved what I made for about 6 months and bought it with cash from a guy on Craigslist. In my opinion you should just save for a few months and consider getting a cheap car. Its hell riding a motorcycle in the rain and it sucks in the winter if you dont have the right gear. Also youll find that gear gets expensive fast, never cut corners on your gear tho. Good gear could mean life or death in an accident. Just my thoughts tho after owning a motorcycle for a while 