Are you guys going to finance your new bike, or just pay cash money for it?
Use someone else's money. Zero down, 0% interest if you can get it. Save your own money or better yet put it in the stock market. Average return per year is 10% for a reasonably diversified portfolio. I am paying 3.99% on my Yamaha loan. Thus am making 6% by using Yamaha's financing. Paying 0% to Suzuki and also zero down.My dealer gave 0% for 6 months which suits me fine as I always pay off by then. Had to ask for it but it is a Yamaha factory deal.