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I got a Personal Loan at 5.9%(That is lower than the bank!)

I discovered last year that the bike route along the Grand Canal, which connects me from where I live around 75th street and Camelback to my office near Papago Park, would be a great way to commute to and from my job. If I had a bike, I could do that instead of being stuck in traffic, burning gas and getting no exercise.

So when gas prices went crazy this spring, it was time. I looked at a $1200 bike that was perfect for me. But I had declared bankruptcy in 2007, so my bad credit plus no spare cash plus no credit cards added up to no bike. Ultimately, I knew I would save money on gas and probably avoid repair work to the car if I could just figure out a way.

I did a Yahoo search for

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