I am also a co-signer (secondary) on a new car lease, and have gone the last year and a half with one 30 day late payment (last month unfortunately). All I really want right now is a loan to buy a Motorcycle with. $7000 would be great, but I would accept much less. I also do not mind paying mid-20's for a finance rate. Yes, I know... but considering that within a year I'll have a GREAT job, I would not mind paying the high interest for a year, then refinancing later. Any suggestions for a fella like me? Thanks, everyone!