if you dont have much credit of poor credit you wont get approved for one any way for a scooter or any recriation veicle you have to have great credit to get one due to it not being nessesary to have one you can get approved for a 20,000 car andd still get turned down for a 3000 bike but if youre credit is good i would go through yamaha you can snag one for about 99 dollars a month but due to youre age insurance is gonna be high they cost about 3000 bran new but remember you have to have a liscense to drive anything over 50cc and if you get caught they will take youre regular drivers liscense away