Financing First Bike

I've been interested in riding for about 15 years, but for whatever reason never had the money.  So now Im looking at a bike that costs $3000.  I have $600.  The dealer's lenders won't finance under $5000.  Not sure how to close this deal.  Any thoughts?  

Stop, Check all directions, and Proceed with Caution!

Financing your 'First Bike' is not a good idea to begin with.  Not to say that you are destined to wreck it, or drop it, but this does happen with most Beginning Riders, and the 'best case scenario' is that you jumped off in the nick of time, just to watch your Bike go sliding under a Truck!  OK... a bit dramatic I know, but the point is that even if the Bike is stacked, you still Owe the Balance of the Financed Amount!  In addition, the Finance Company will require you to keep Full Insurance Coverage, which is much more expensive than the Minimum Liability Coverage, and generally won't pay out for accidents in which you are deemed 'At Fault', going to great lengths to cite that you were doing something wrong (Illegal), which nulifies the Policy Coverage (speeding, failure to yeild, wreckless riding, ect, ect, ect!).

Unfortunately, this is an expensive Sport (not unlike Snow Boarding for example), as you well know having spent 15 years wanting into it.  Before just jumping in, take some time to consider all the expenses involved, beyond the cost of the Bike.  Granted the Bike will be the largest expense, however some of the Gear can add up as well.
Gear      Low End Crap   Top End Quality
Helmet:   $45.00          $450+
Jacket:   $150.00         $500+
Pants:    $70.00           $300+
Boots:    $125.00         $450+
Gloves:   $35.00          $75+
Change of Shorts: Optional

Some of this stuff can be gotten Used, and will cost less, which is a good idea to begin with, as Riding is not for everyone, and some decide to quit soon after starting, thinking it would be fun at first.  Go figure... but it does happen.  So not only is there good used Gear to be had, but it doesn't make a lot of sense to dump big bucks into Snow Board Stuff, only to find you don't like the Cold!  Again, this is not to say that 'this is you'.  The point is to take it slow, look ahead to see what is coming up, and what you will need to do about it.

So... You have $600 Bucks.
Take a MSF Course.  A Bike will be provided for you to learn on during this, so having your own Bike 'first' is not always the best place to start.  This will show you what it feels like to ride, and will help you decide what type/style of Bike you feel comfortable with, that matches your Riding Abilities.
If you find that Riding is for you, then the 'Fever' will take hold, and you will do what ever it takes to come up with a lump of cash to buy a Bike outright!  'Used' is best for a Beginning Rider, and will be more affordable.  Take a 2nd Job; Have a Yard Sale and sell off your Furniture; Dump your Car for Rock Bottom Dollar;  Hock your Kidney!  You will be amazed at what you will do to get back on a Bike!!!

Take your time.  Save your Cash.  Plan Ahead.