If I go buy a HarleyDavidson and I take a co signer with good credit(700+) would I need to take any paper work and pay stubs, or would I get approved right away?

 

You need pay stubs as proof of employment

 

A co-signer is only a secondary guarantee.
You still have to qualify based on your income and debts.

I know others will think it so I'll just say it; if you need a co-signer to buy a motorcycle you don't need a motorcycle.

 

Damn straight.

Never mind the obvious financial foolishness, I think you are depriving yourself of some of the real joy of motorcycling. Buy a cheap, old bike. Get it running. Get to know it, inside and out. You'll develop a bond that you can never create with a checkbook.

There's a 82 CBR 750 on my local CL right now. Non-runner. Dude wants $1150. He's been trying to unload it for two months. I'm tempted to offer him $500 and see what happens. Kind of have the idea of doing a bobber project.

Bikes like that are awesome. You'll learn as much about yourself as you do the bike by the time you get it on the road. You'll develop a network of sources for parts and help and advice. You'll become part of a community.

Anyone can walk into a dealer, push their credit to the breaking point, and get a shiny new bike. It's a special man who takes the path of self-reliance instead.

 

Why do you need a co-signer? Are you a young guy with a good job that doesn't have established credit?

Because that's a lot different than someone who has bad credit, and is going out on a limb.

I cosigned for my son's car, when he was young, with a new job. But if he had a history of failures, I would have passed.

I think it's a little naive/irresponsible to think you don't need to qualify, just because you have a co-signer. That makes zero sense. You are the primary payer, the co-signer is just a back-up.

 

I presume the co-signer is a friend, so here's a word of advice. Friends don't let friends co-sign for anything. I am sure you feel you can swing the payments, but if something should happen that you can't make the payments your friend is on the hook for the whole shabangle. I learned my lesson about co-signing a long time ago, I co-signed for a motorcycle for a "friend", he skipped town & guess who paid off his bike?

 

Cosigned loans probably means a big down and big interest rates. What's the issue with your credit?

 

You can't afford the bike save your money up until you can pay cash then you won't need a co sign

 

The OP has a Street Bob or at least he did on 31 March 2016.

Harley4life323 Street Bob

Unknown how he purchased that bike? But, the OP's question is very general. Maybe he is the cosigner for the person with bad or no credit history? If not then I agree with the others. If you need a cosigner, you don't need a motorcycle at this time. Other than a parent co-signing for a child with no credit history you would be crazy to cosign for someone with bad credit to purchase a motorcycle.

 

The reason I ask is because I have no credit history, and I also wondered if I could get a better apr. I'm going to put 6k down