I'm getting ready to trade in my bike, and thought it would be useful as a negotiation tactic to know what kind of deal other people are getting.

List the details of the deal you made buying your new bike.
Include, dealership, trade in info, interest rate, how good your credit is, money down, extras financed length of loan and monthly payment.

What? this post has been up all day and not one reply?
Are you all too embarrassed to say how much you paid for your ride?

OK, I'll start
Bought my 1200R new 8/04 at H-D of Charlotte
Paid $8200.00
Put $1000.00 down and got 8% interest
I have good credit score of 760
I did not finance anything else, no extras.
Monthly payment of $202.65

Cash but don't tell them till you get the deal done. the only way to buy a bike is save and buy cash in my book same way with cars then make payments to your self each month for your next one.

local://upfiles/52318/3E67FA8E915F4EC7B691A3FEBC727DCC.jpg

The best option is almost always to save your money and pay cash!

I bought a '08 FXD when they first hit the showrooms (7/07) -- paid cash. Really loved that bike, had done a little bit of "personalization" and planned on more. Unfortunately, I T-boned a cage a few weeks ago, bike was totalled but I walked away (thanks to the right gear andamazing luck!). The cage driver was at fault, and his insurance company didn't try too hard to screw me, soIgot a decent property settlement check.

Prior to the crash, I was already lusting after a '05FLSTN Softail Deluxe owned by a neighbor. The bike has a few options (S-E pipes, crash bar, 5 yr ESP,etc.), and is near-mint condition, always garaged, only~4,000 miles. He had been talking for some time about maybe selling, never seemed to ride anywhere, financials were clearly stressed. Shortly aftermy crash, I asked if he was serious about selling --he said he'd behappyto hand the bike over "forthe loan payoff"and would include severalpieces of luggage and assorted other accessories. He'd purchased the bike new with just a tradein fordown payment (~3K) andfinanced with H-D for 7 years at 12.25%(!)

That's a good example of how not to buy a bike...

Anyway, I bought the bike for the loan payoff, cash transaction.

Uh, yeah I know the best deal would be cash, kind of a no-brainer there.

But, since I don't have $15k lying around........

What I'm really after here is what interest rates people with good credit are getting now on 2008 bikes.

2008 anniversary streetglide bought at all american harley in hughesville md Nothing down no trade in 1.9 interest perfect credit score with all prepaid maintenance lojack and 2500 gift certificate for pipes and accesories 550 a month yeah i said it 550 a month alot of money but its worth it to me but if i didnt get all the extrase as lojack and prepaid maintence and every single goodie that they offer it would have been around 200 a month

Here's a view from the other side of the fence.

2004 Road King Police
Gator Harley-Davidson - Leesburg, FL
No trade
$1050 down
Bike price - $10,000 before down payment
Crappy credit (580-600)
17% interest, $250/month @ 72 months
Financed through Eaglemark Savings Bank
No extras


I basically fell into this deal. Been looking for a new bike. A friend of mine from the local parts store told me about a friend of his who is a salesman from Gator. They worked for 3 weeks to find me a bike for the price I needed, and worked out the financing. It's not my dream bike (I wanted a Ultra Classic), but it's better than my 86 Honda.

The key here, is to have excellent credit, it saves you a ton of $$. I only financed $7600.00 and was going to get Credit union financing for 7.5%, HD had 7.99%, then the stealer caught wind of my credit rating and offered me 5.9% cause they want more $$ out of the deal. I went with HD. 178.00 a month.

08 Street Glide
$19,300+TTL, prep fees, etc =$23,100ish
Trade in got me $700 over payoff
Down payment of $3000
9.5% interest (credit around 610ish) for 7 years (tip: dealer started at 11.5%, argue them down)
$326/month payment
&nbsp\\;
As long as it treats me right, I plan on keeping this bike for a long time anyway and&nbsp\\;will pay it off early, so no biggie on the length.
&nbsp\\;

100% DOWN,,,,NO PAYMENTS.......

07 Ultra Classic
Mikes Famous Harley Davidson in New Castle Delaware
List Price 22,900
5000.00 down
Financed 15,300 @ 4.99% for 5 years
Taxes, Tags, Title, and dealer prep and out the door for 20,300
Paid on this loan for 1 year then Paid Eagle Mark off with Credit card and got 19000 airline miles
Then paid off credit card with Home Equity Line of Credit @ 5.00% and am able to deduct the interest off at end of year.

MIkes will deal but it helped to have cash.&nbsp\\; They were holding my cash and didnt want to cut this deal and I ended up telling them to either cut the deal I want or give me my F-ing money back!&nbsp\\; They cut the deal.

I got financing thru my credit union at 5.75%. I believe new is 5.5%. As long as you qualify for a loan, that's the rates you get.

One dealer offered 9% (uh... no), and the other tried to get me to go new. I believe he said he could get 6.9% or so.

My credit score is ridiculously high, so I'm sure that had a lot to do with it.

2008 fatboy 23,000 down o%financed o payments.

Paid cash. 2008 Fatboy and getting dealer to install Vance and Hines Big Radius 2 into 1 pipe with high-flow air intake and FuelPak. Also paid cash for&nbsp\\;detachable saddle bags, backrest and rack, and detachable windshield. Gonna put all those on myself after I pick up the bike and get some riding in.

I purchased my 2007 FXDSE it listed for 24800, paid no down payment, financed with I think 7.5% for 5 years for like 510 a month, after two months paid 15 grand on it and refinanced for 3 years for 107.98 a month

Shop around and haggle and&nbsp\\;for the lowest price, Shop around and haggle for highest trade in (or sell it yourself).
Shop around and haggle for the lowest interest (without penalties for early payoff).
I wanted to pay cash. Ended up with 50% down and will have it paid off within 1 year.

everything&nbsp\\; you are able to deal on interest rates and the bike if you have good credit&nbsp\\;

remember some bike are hot sellers -street glides and some are not sporters-you can deal on the not so hot sellers all the way around if your credit is good-bike price and interest rates
you probabely can shop interest rates before you buy!!!

Paid cash for every bike I own. The economy has changed and the supply of Harleys exceeds demand, so they do now depreciate -- you can't expect to buy a bike for $x and sell it for $x the next day like you could in the 90's up until the 100th.

A guy I met paid $22 OTD for his 07 Streetglide, fell into financial trouble, and now is trying to get $17,500 for it, and he's competing against other bikes that are closer to the NADA of $15,500-$16,000 that have lower miles and more extras than his.

So before you go finance a bike, make sure you can put at least 20% down, if not more, of the OTD price. Then, make sure you have 4-8 motnhs' emergency fund lest something go wrong.

I'm not an Orman believer or a Ramseyite, just have lived life upside down and it sucks. No more. The only debt I carry is a mortgage.

I bought an '08 Heritage 105th back in March. I got it for under 19,000 - it was stickered at 19.,600 I think. Got all the BS shipping and prep fees waved which saved me about $900.00. They don't budge much on the price but will take off those charges if you push it. Also got them throw in $500.00 in store gift card (which you WILL use). I put $4000.00 down and got 5.2% for 72 months. Payment is around $250.00. I have a credit score of 800. Bike was purchased at ChiTown in Tinley Park, IL. On a side note, they do run fininacing deals if you watch. Had I bough my 105th before Feb 1st, I would have got 1.05% but I missed that one. Hope that helps.

do you own your home? or are you a member of a credit union? among of the ways that dealers make money is by taking trades and selling financing. agreed it is much easier to ride your old one in sign a few papers and ride off on your new one. if you own your home a equity line of credit might be a great way to go my bank is offering them for 5 3/4% also as a member of a credit union thru work is also a great way to get a low interest loan. also you could borrow against your 401k and pay yourself back each month. also if your not upside down (owe more than your bike is worth), selling it outright can save you a couple thousand $'s. these are all more work than a trade in w/ dealer financing. but look at it this way you could invest 20 hours and save $4k - when was the last time you made $200 per hour tax free. of course if you normally make that, screw it let the dealer do the work.