Im 16, and just started working 2 jobs. I live in kansas and am wanting to either finance a 2013 kx250 for 6200 or get a loan for 5 grand and buy a used one and some gear. Normally i would save my money but i have the oppurtinity to get into mx with a friend and am afraid i will lose this after hs, or by the time ive saved up enough. I will make around 450 a month and would like to finance for 3 years. Would i have to make a down payment? I have a 2007 Kawasaki zx6r (sportbike) i would put down as collateral, its worth about $4500. The person who would cosign for me does not have very good credit but i feel putting my bike down wich is worth 3/4 of what i would borrow should get me approved. I asked a previous question similar to this and all i got was you have to be 18 or 21 blaah blah blah. I know for a fact you dont because i have two friends that took out loans for thier cars with cosigners. thanks in advance.