<prompt> Human: Hey everyone,Im submitting in regards to financing what I think most would consider a toy. Ive wrecked my last dirt bike to pieces over the course if 5 years and Im looking to get a new one. I want to keep my current bike to keep some variety, but I have questions regarding financing a new one. I have little credit an 800 max credit card and fair credit about a 650 range. If I put a down payment on a bike of about 1500 I would have 155 a month payments according to my local dealer. I make 450 a week after tax so I would be able to afford the payments and pay it off early if I so desired. Are there any thoughts on financing toys here? I want to set myself up with good credit and the payments are much cheaper than if I were to buy a new truck and it seems to me that its the same concept. Quick numbers to clear things up.. a new bike is 9k out the door more or less. I make 450 a week working part time. I have a 650 credit score. Rpersonalfinance thanks for the help!  <response>: Save up for it and pay it full in cash. Most times you will even be able get a better deal. Or save up the money, get a loan, then just pay the interest and loan in full immediately. That will make your credit look great. 