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: You typically only need proof of income (pay stubs or bank statements), proof of residence (utility bills), and a valid ID.

Many dealers do report on-time payments to credit bureaus, but almost all report defaults. Vehicle Quality

: Payments are often made directly to the dealership on a weekly or bi-weekly basis to align with your pay cycle.

Inventory usually consists of older, high-mileage used bikes.

Policies are often strict; some dealers may repossess after just one missed payment.