<prompt> Human: I am 20 years old and living in California. I plan on buying a Kawasaki Ninja 400 within the next few months. My down payment will be 1300, and the total cost of the bike will probably be 6300ish OTD. Therefore, I will need a loan for about 5000. I have no credit history. My income is around 1100month. Between insurance and my payment the total cost should be under 200month and this payment would be very easy to make compared to my income. Whats the odds I get a loan? My bank is a credit union and Ive heard that helps.Assistant: I doubt you will get approved for a 200 payment on 1100 income. Your only shot is for the motorcycle dealership to arrange financing and its HIGHLY unlikely you will get approved. Motorcycles are VERY high risk collateral. Human: 200 would include the insurance, which should be unimportant to the bankdealer. Bike loan payment would be around 100.  <response>: I am just telling you that banks HATE motorcycle loans. Go apply at your credit union and see what they say. You should NOT be borrowing money to buy a bike. Youll regret if they do approve you. 