If the company proposes that they will finance you through Retail Services, aka Household Retail Services, also now called HSBC Finance Corporation, you must use caution.

Ask the sales person if the loan will be a "credit card" type of loan with a open ended period, or if the loan will be a fixed term loan such as automobile financing. Get the answer in writing, on company letterhead, signed by the sales manager and the sales person.

Furthermore, track your payments and find out when they are credited. Read our sections on Kawasaki and Yamaha to see what the customers have to say.