Honestly, don't mislead people here when you say the payments are $100.00 a month. I'm not bashing or flaming, but obviously there's a catch. You can't get a $12,000 loan for even 6 years at $100.00 a month. Most financing for motorcycles offer deals like $100.00 a month for x months then if you haven't paid it off by that time, it might triple.. or you might get hit with 30% interest.