A common view that many people have is that they will just surrender their motorcycle to lender if they are caught in an “up side down” position. If you are considering this option don’t! Your worries do not just end after your bike is surrendered or repossessed; in fact they are just beginning. The lender will sell your bike at an auction for much less than it is worth. You will still owe difference between amount you owed on your loan and amount motorcycle sold for at auction. So if you owe $5000 and bike sells for $1500, you still are responsible for owing lender $3500. To make it worse lenders may tack on hefty auction fees which you will owe as well. So net result is that you are now responsible for making monthly payments on a bike you can no longer ride.

So what steps can you take to prevent from being caught “up side down”?

1. Find a lender that uses simple interest. Avoid lenders that use pre-computed / Rule of 78 interest calculations.

2. Always try to put money down on your purchase.

3. Try to avoid motorcycle loans that extend past 36 months.

Copyright (c) 2005, by Jay Fran This article may be freely distributed as long as copyright, author's information and below active live link with anchored text is published with article:

Motorcycle Loans, Bad Credit Motorcycle Loans, Motorcycle Loan Guide

Jay Fran is a successful author and publisher at http://www.motorcycle-financing-guide.com. A comprehensive resource on how to have the best experience and get the best deal on motorcycle financing, bad credit motorcycle loans, high risk motorcycle loans and motorcycle buying.

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