I got a 4.5% from GE when I bought my bike, but I hear that since the Euro is beating up on the US dollar, european companies, such as BMW (Triumph?), aren't offering any "deals" right now.
Also, I work for a furniture company that's pretty lenient in financing, but any credit rating under 650 raises a flag, thus 20-30% downpayment, &/or a co-signer, is required.