Perhaps you have attempted a bank or credit union?
I do not understand what your earnings situation is, it is here any real method to purchase the more affordable bike and then make double payments?
In todays time credit is EVERYTHING. 24% might appear high, but until you have actually spotless credit this is the means it really is. Hell, i've actually good credit, and my old charge card business attempted to up me personally price to 30per cent. They stated they REQUIRED it whenever we called them. Fortunately I happened to be really uncommon spot whenever I happened to be in a position to repay it, and tell them to pound sand.
A 624 credit rating is not THAT bad. It's not great either. I would personally attempt to clean it, and decide to try once again. The cash you shell out to wash it will take care of the percentpercentpercent% price enhance.
Not just to the OP, but to everyone available to you. Be carefull along with your credit. Not just for buying things any longer. Companies think of it too. I was previously a landlord, and I also constantly looked over credit.