2005 KAWASAKI ZX 1200 Ninja, *Down payments listed are minimum requirements for our In-House financing program. Other financing programs may require more or less down payment.Everyone does get approved for financing with MotoMaxs In House financing program, but the required down payment may be higher than the one listed.MotoMax looks at three things in determining your guaranteed credit approval; household income, residence proximity to store, and credit history. Just because you have had credit challenges in the past does not mean your down payment may be higher than the one listed. We can get everyone financed including those with bad credit, no credit, and/or prior bankruptcy.