More than likely "Yamaha" is not the lienholder...it's actually HSBC bank that issues and administers the account under the guise of "Yamaha Motor Credit". This account is actually a REVOLVING type, just like a credit card! They suck you in with a low 3.9 interest rate, and then it cruises up to around 19% after the "promotional" period. These guys are complete and total assholes to deal with, been there, done that, no more! You want awesome financing and customer service? check this out; [www.capitalone.com]