Well I think I made a boo boo. I went to the dealer back in August and was so caught up in getting a great deal that I let him talk me into financing with Yamaha Credit (HSBC) I guess I'm stuck with them for a while. Urgh! Now when I went to my credit union to pay them off they said the bike is now worth only $5200 now? I paid $6900 OTD. Oh Man.... They said I would have to put the remaining amount down if I wanted to refinance. I should of never rode the bike off the lot unless I had my financing in place with my CU. I guess I learned a valuable lesson today. Have your preferred financing up front never trust the dealer.