Harley credit
#1
Harley credit
Hello. I've been reading the boards for a while now and finally signed up! Excuse misspellings....i'm typing on an iPad....
I've done a bunch of reading, test riding of buddies bikes, etc, and am ready to pull the trigger on an Ultra Classic, either new or just a yr or two old max. I've recently bought a house and some other stuff that goes along with building/buying a new house which dropped my credit score a little more than expected. Financially I'm ready to buy (finally...been waiting a few yrs), but want to know what type of credit scores are expected these days thru Harley.
Please save the comments of "pay cash for toys"......
Thanks, and looking forward to the new ride!
I've done a bunch of reading, test riding of buddies bikes, etc, and am ready to pull the trigger on an Ultra Classic, either new or just a yr or two old max. I've recently bought a house and some other stuff that goes along with building/buying a new house which dropped my credit score a little more than expected. Financially I'm ready to buy (finally...been waiting a few yrs), but want to know what type of credit scores are expected these days thru Harley.
Please save the comments of "pay cash for toys"......
Thanks, and looking forward to the new ride!
#3
Unless your credit is completely in the toilet, it's pretty easy to get financing through HD.
With that said however, if your score is not on the high side you won't like the rate they give you.
Shop your loan rate just as you would the bike price.
Lots of people get great rates through Eaglemark (HD Credit). But lots of others are only offered high rates.
No "right" answer for everybody. It will all come down to your individual credit score.
With that said however, if your score is not on the high side you won't like the rate they give you.
Shop your loan rate just as you would the bike price.
Lots of people get great rates through Eaglemark (HD Credit). But lots of others are only offered high rates.
No "right" answer for everybody. It will all come down to your individual credit score.
#5
Do a bit of homework and you'll get the best rate. If the dealership thinks you're unprepared, they'll give the highest rate they can because it's another profit maker for them. If you go in there knowing you can get x percent from a credit union or bank, they probably have several sources for loans and will probably give you an even lower rate.
#6
Well just take your ipad in and tap away calculating your best deal, wouldn't stop at just buying one why not get the his and hers special after all it's an investment. there have been a few threads on this subject if you do a search or advance search. If you pay on time your score will improve? When I was dumb and used credit we would get the rate from two credit unions we have accounts in so we had an idea of what the current rates are before hand. The dealer makes a lot of profit off just a half a percentage on every deal.
Last edited by SeeMeDo; 12-06-2011 at 07:48 PM.
#7
Yeah there are always those out there that think they know better on how you should conduct your finances.
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#9
They will finance you even with poor credit. But, can you stomach the 20%+ interest rate? That's the rate they quoted me last year after a divorce (and subsequent financial issues) gave my credit a shot. It didn't take me long to fix it and ended up around 6% which is fine with me.
#10
You are up to your ears in debt and you want to add more!
And absolutely one should pay cash. If you can make the payment then you can put the same amount away until you have the amount you need,.
All it takes is to be a mature disciplined person.
And absolutely one should pay cash. If you can make the payment then you can put the same amount away until you have the amount you need,.
All it takes is to be a mature disciplined person.