Lol I would have too! Although in a less cheesy manner, I'm sure (more along the lines of "Hey. Come get coffee with me, yeah?").
I was going to rock GC/Konis on the EJ8. That s*** is gone, though, and I'm beyond glad haha.
A) Unless you have amazing credit and a down, you will likely have a tough time getting a personal loan. Go with whomever/whatever can get you the best rate, and is able to work with what you want (length of loan, payments etc.).
B) Since you have a daily, buy a bike, sell the Civic, put half of that into an account dedicated to the bike, and have the payments come out of it every month automagically. Take the other half, furnish your apartment/buy goodies/spoil yourself. Then, after a few months/whenever you're comfortable, start supplementing that account (transferring $200 a month into the account). Bam. Bike his half paid off, you got to enjoy yourself, and you're building your credit. Also, that's IF you can get a loan. If you have little to nothing in your name, it's going to be hard. Just a heads up. Also, your insurance is going to be bats*** insane.