It doesnt sound shady, but its definately creative financing because you only finance part of the actual bike cost, and are responsible at the end of 3 years for the balance of the loan that isn't financed.
From what I can tell you need a 20% down payment, finance 47%, and are left owing 33% at the end of the loan.
Reminds me of the deals all the other bike companies were doing for a while, $33/month, $99/month, $50/month for the first 2 years then the bike jumps to a normal apr and you wind up with a $350 payment for the next 3 years
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