What are your monthly payments looking like if you bought from the dealer?
#21
04-25-2011, 12:15 PM
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Only the ignorant brag about a credit score. I mean an "I Love Debt Score." You can live paycheck to paycheck and have a high FICO. "Wealth isn't what you spend, it's what you don't spend."
...and I'm out of here. You can't convince a man against his will. Don't you people ever read? Try the millionaire mind or millionaire next door? Learn to budget or something.
...and I'm out of here. You can't convince a man against his will. Don't you people ever read? Try the millionaire mind or millionaire next door? Learn to budget or something.
#22
04-25-2011, 12:17 PM
So if you are so financially secure, knowledgeable, and responsible and don't want to hear our opinions, then why are you asking an elementary question about payments on a message board? The way you stated your original post tells me you are clueless and will do what you want anyway.
Sorry, but personally I can't understand the need for the financial lesson and an attack on his decision.
OP - to answer your question, with 10% to 20% down and little credit history you can probably expect to pay, as stated before, between $300 and $450. Buy the bike, ride the heck out of it and make your payments on time plus send in a little extra each month if possible. Pay it off as quickly as you can, build your credit history, and enjoy the summer riding your HD!!
#23
04-25-2011, 12:19 PM
Ultimate HDF Member
Only the ignorant brag about a credit score. I mean an "I Love Debt Score." You can live paycheck to paycheck and have a high FICO. "Wealth isn't what you spend, it's what you don't spend."
...and I'm out of here. You can't convince a man against his will. Don't you people ever read? Try the millionaire mind or millionaire next door? Learn to budget or something.
...and I'm out of here. You can't convince a man against his will. Don't you people ever read? Try the millionaire mind or millionaire next door? Learn to budget or something.
#24
04-25-2011, 12:20 PM
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everytime someone in here asks a financing question, someone will jump in and say pay cash or yer stupid.
not all of us are rich like all you cash payers
#25
04-25-2011, 12:21 PM
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No offense, but the original post was asking about expected monthly payments, not opinions on whether the OP should purchase the bike or not using credit. Based on his comments he can evidently afford the payments, won't be jeopardizing his livelihood or the welfare of others and is young enough, if worse comes to worse, to make a financial mistake and have time to learn from it and recover.
Sorry, but personally I can't understand the need for the financial lesson and an attack on his decision.
OP - to answer your question, with 10% to 20% down and little credit history you can probably expect to pay, as stated before, between $300 and $450. Buy the bike, ride the heck out of it and make your payments on time plus send in a little extra each month if possible. Pay it off as quickly as you can, build your credit history, and enjoy the summer riding your HD!!
Sorry, but personally I can't understand the need for the financial lesson and an attack on his decision.
OP - to answer your question, with 10% to 20% down and little credit history you can probably expect to pay, as stated before, between $300 and $450. Buy the bike, ride the heck out of it and make your payments on time plus send in a little extra each month if possible. Pay it off as quickly as you can, build your credit history, and enjoy the summer riding your HD!!
#26
04-25-2011, 12:23 PM
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by the way, welcome to the forum blackmetal. it's a very silly place
http://www.youtube.com/watch?v=lfGpVcdqeS0
http://www.youtube.com/watch?v=lfGpVcdqeS0
#28
04-25-2011, 12:55 PM
Tourer
If one manages to get a 0% interest loan, then financing is smarter than paying cash up front due to inflation. This is true for any loan rate below the inflation rate.
#29
04-25-2011, 01:21 PM
$350-$400 a month. Plug some numbers in this
http://www.bankrate.com/calculators/...alculator.aspx
If you got no credit and need a loan for a bike. Buy cheaper/used
http://www.bankrate.com/calculators/...alculator.aspx
If you got no credit and need a loan for a bike. Buy cheaper/used
Always plenty of grandmotherly advice on this forum when credit, helmets, etc., are mentioned. I'm glad these minvan commanders don't really ride Harleys, so I never run into them in real life.
#30
04-25-2011, 01:25 PM
Extreme HDF Member
Zero. I have a policy for buying toys. If you can not afford to pay cash, you should not buy them. If you can make a certain payment then simply put that amount away each month until you can buy it. It's called discipline. Also, the cost of ownership is many thousands of dollars lower.
And here is my "real life" Harley's for those that make ignorant comments.
And here is my "real life" Harley's for those that make ignorant comments.
Last edited by lh4x4; 04-25-2011 at 01:29 PM.