Reports from year 1 and 2 (us) were that the issuer that contracts through Yamaha is very "interesting". If you were even a day late (them logging your payment, not you MAILING it) then you got a service fee that was greater than the payment iirc.
I sold my previous bike to get out from under my loan on it and, with the extra left over, pay cash for my FJR.
I sold my previous bike to get out from under my loan on it and, with the extra left over, pay cash for my FJR.