<prompt> Human: I have some money saved up, and my FICO is over 750. I currently bank at a bank, not a credit union. I am looking to get a motorcycle that is around 5k. I have seen from places online that their lowest motorcycle loan rates are like 6! Thats outrageous! Isnt there anything better that I can do?Where should I go to finance? What route should I take to get the lowest interest possible? Thanks for the help!Assistant: Dont buy toys with credit.Are you going using 5k of that money you have saved up on a motorcycle right when you buy it?Human: I dont really understand your sentence. But I have around 2k saved up. The motorcycles I am looking at are around 5k. So I would be taking out a 3-4k loan.  <response>: Sorry, it was kinda convoluted. My point was that if you cant afford to buy it in cash, then you cant afford it. 