yeah I would steer you away or atleast look hard at any loan for a quad that is apr. when you said you wanted get up and go power I figured you wanted the power of a truck in a quad. any of the big bores now a day will probably suit you fine. the grizzlys, polaris's, kawisakis, canams, suzuki, and honda all make big bores. the 550 polaris will probably work for you. the only thing I can stress is test ride if you can or do your research. all are good machines or else they still wouldn't be in bussiness. take good care of what ever you have and you should be fine.