You can buy anything without that long as you have the cash or can show you have access to it. They finance now rather than haul in bag of cash like they use too.

Pay 20-30K cash for a bike car, tractor it gets reported. You may or may not receive question about it. Both person selling and bank report it.

 

810 credit score and no job but HD still rolled the bike out the door for me and said thanks ......