I'm in the process of buying a 2016 Harley Davidson Iron in a candy color for $9800 out the door price (everything included). The dealership's financing group was at 8.99% for 72-months. I chose that financing (didn't sign anything at all yet) but I realized I can probably get better financing at my own bank. Is that a real dick thing to do to them after that price quote? Like I said, I haven't signed anything but don't want to cause an issue. Should I still shop around?

 

They (the finance dept,) can make the dealership more money than the sale of the bike nets (particularly on a Sportster.) And most states allow the dealer to tack on an additional 3% above what the bank quoted them too (that's extra profit.)

You have an obligation to yourself to shop all facets of the transaction.

 

It's business. No such thing as d move. Ethical non ethical yes. Getting a better deal on a commodity market is not unethical. 8.99. Closest thing to d move if'n you ask me.

 

not a dick move in my opinion...

Did they give you the final price in writing?

If they did, and it doesn't include a small print "out" for them if you don't use their financing, or if you don't sign that day, etc etc etc then whatever price they wrote down should be good for them no matter how you pay for it.

If they did put it in writing and didn't give themselves a small print "out" if they need it I'd be a little surprised.

 

No it is business and not personal.

 

I wasn't actually given anything in writing, he just showed it to me.

 

It's called being smart with your money. Nothing wrong with that.

 

You can do better. Shop around. It's the smart thing to do.

 

That's a TERRIBLE interest rate....... It would behoove you to shop somewhere else if that's the best rate they could offer

 

Ford just gave me .09%, (that's right less than 1%) along with about $2000 in discounts on a $22,000 loan with $4000 down, on a new 2017 Mustang.