I have found it to be very simple. I go through our local credit union. I call my finance guy and tell him what I'm interested in and if I can I give the vin.. most lenders go off of Nada.. if its at or below Nada, and you have a decent credit score and history, its no problem if you debt to income isn't outa whack.. they cut a check in the sellers name (some people are Leary of that but I give all the info to contact the back to reassure I'm not out to screw them), you hand them the check and take the bike and title.. if the seller has it financed I get a bill of sale stating I will get the title as soon as their bank releases it.. not hard at all..