Example terms for Pick A Payment before approved credit: 4.0% APR for 72 months. $0 down. Excludes parts and/or accessories, finance charges, electronic filing charges, freight, setup or delivery charges, taxes, and any additional government and emissions testing charges. APR available from select vendors. Not all buyers will qualify. Most riders prefer to allocate 10% of the selling price towards their down payment. Prior to closing, payments and rates are subject to change depending on contract date, lender program changes/guidelines, program calculation, data errors, credit verification, and final approval. Contact Valey Cycle Center for complete details.