My last ride I bought before the Roadie was in the same vein. Ex and I had been out looking at bikes but nothing serious, we didn't have the cash but I really wanted a new bike so lots of tire kicking but no buying. Wandered in to local Kawasaki dealership and noticed they had a zero down, zero payments for a year deal! Hell, I could ride it for a year for free and then move the financing to my credit union. Brilliant. Filled out paperwork and then they informed me I was denied for the zero-zero deal. I said What? I blew my lid as my credit rating was up in the 800's, with nearly no debt other than my house and 2 decent incomes, in other words pure gold. I asked the guy who did Kawasaki's financing and he said HFC. I said no wonder. They took one look and knew I was going to game them then move the loan in a year and they would make nothing. They want you to get hooked and then they bang you to your knees with a loan shark high interest rate. I was so pissed I told the guy "prep the bike" I'll be back in an hour.

Drove to credit union, got loan for the bike and a check to pay for it in full. Drove back to dealership and picked up bike and 2 new helmets. Drove to station and filled up and headed home. Then realization set in and I figured I better finesse this one. Turned and rode to wife's work. Parked and went in and chatted with her a bit and said "come on walk me out". We walked out and talked a bit more standing right beside the bike her not catching on my Rodeo was no where to be seen. I turned and put my leg over the bike and she said "what the heck are you doing". With as straight a face as I could I said "oh, I bought this one we were looking at the other day.......and it's even the color YOU liked". I put on my helmet and drove off with her standing there with her jaw on the ground.

Kept bike 2 years, she only rode it once and hated it every day. I finally sold it to shut her up about the payment. yeah, so that worked out real well!