Yes I thought about going with Kawi for financing but my payments would be alittle over $ 200 month for 2 years and if you don’t pay it off within 2 years the interest rates go through the roof !! I would like to go with a used bike instead just for the obvious reasons, being a new rider and cost……i don’t have enough saved up for a good used bike and wanted to get riding this summer after i take my course so…the credit union route might not be too bad. I totally agree with you and have learned from my past in having high interest loans on cars in my younger days !!