RaptorYFM660R,

I think you hit the nail right on the head, half of the fun is kicking tires and anticipating the purchase. You will certainly respect it more if you have the discipline to save now for it. Like most Americans, purchase now and pay later....as in 15 years more for something that you could have saved in 2 years and then ha extra funds to buy other hop ups for your ride...[img]i/expressions/face-icon-small-wink.gif[/img]

 

What I would suggest is find a friend or relative to cosign. My first truck was bought with my dad as a co-signer. I traded it in two years later and got approved for a loan for 19,000 for my next truck due to the fact I made all my payments on the co-signed loan.
If you cant find someone to co-sign, and just have to have a atv, find an old piece of junk that runs for $3-400, and ride it while you save money for the nice new atv. I had an 85 Honda Big Red 250 Three wheeler, traded a $400 rifle to get it. I kept it a year to make sure that an atv is something that would be worth me sinking several thousand into. I sold the 3-wheeler yesterday for $900. The only thing I did was replace the starter ($100) and clean it up real good. Now Im about to spend the big bucks (or what I feel is big bucks) on a new 4-wheeler.
Oh, and BTW, my three wheeler blew away my buddy's Big Bear 400 (new) and a bayou 250 (couple of years old). I even pulled the 4x4 Big bear out of the mud (after I made it through, turned around, and came back for him!)
Or save up enough to buy a junk out, but running, quad or 3-wheeler, then do one thing at a time to it (as much as you can afford each month) and end up with a great custom rig in a couple of years.

 

Cjones013,

I like your point of view as well. It is hard to not buy now since this is the American way of thinking. I will buy now and pay later is the philosophy of most consumers but since TreadHeavily is young he has lots of time to save up and learn lots of things about ATV's before he sinks a lot of money in one. I just ordered my 600 Twin today for up North and I saved over $1k over my local shops and that savings is after $350 in shipping...it pays to shop around...ride on [img]i/expressions/face-icon-small-smile.gif[/img][img]i/expressions/face-icon-small-smile.gif[/img]