What was your finance deal?
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RE: What was your finance deal? - 5/1/2008 6:47:25 PM
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Dooley
Posts: 184
Joined: 9/29/2006
Status: offline
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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
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RE: What was your finance deal? - 5/2/2008 3:04:27 AM
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smitty901
Posts: 509
Joined: 2/3/2008
Status: offline
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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.
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RE: What was your finance deal? - 5/2/2008 4:17:31 AM
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PPBART
Posts: 14
Joined: 3/29/2008
Status: offline
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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 and amazing luck!). The cage driver was at fault, and his insurance company didn't try too hard to screw me, so I got a decent property settlement check.
Prior to the crash, I was already lusting after a '05 FLSTN 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 after my crash, I asked if he was serious about selling -- he said he'd be happy to hand the bike over "for the loan payoff" and would include several pieces of luggage and assorted other accessories. He'd purchased the bike new with just a tradein for down payment (~3K) and financed 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.
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PPBart
''''''''05 FLSTN
''''''''08 FXD (wrecked, gone but not forgotten...)
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RE: What was your finance deal? - 5/3/2008 5:34:36 AM
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Dooley
Posts: 184
Joined: 9/29/2006
Status: offline
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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.
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RE: What was your finance deal? - 5/12/2008 12:51:44 PM
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slyguy659
Posts: 5
Joined: 2/27/2008
Status: offline
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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
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RE: What was your finance deal? - 5/22/2008 7:31:05 PM
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neonhomer
Posts: 96
Joined: 4/6/2008
From: Volusia County, FL
Status: offline
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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.
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NeonHomer
2004 Road King Police FLHP/I
*Dynojet PC3 USB
*Screamin'' Eagle Stage 1 A/C
*Screamin'' Eagle CVO Slip-ons
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RE: What was your finance deal? - 5/22/2008 9:41:16 PM
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BlockHead96
Posts: 150
Joined: 5/22/2008
Status: offline
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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.
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The road to hell is paved with DemocRATS!
08FXDL
USN USS Constellation (Aircraft Carrier) CVA 64 71-74
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RE: What was your finance deal? - 6/13/2008 6:08:09 AM
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big cahuna
Posts: 358
Joined: 3/26/2007
Status: offline
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100% DOWN,,,,NO PAYMENTS.......
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RE: What was your finance deal? - 6/26/2008 1:31:46 AM
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FXWGG
Posts: 90
Joined: 7/15/2007
Status: offline
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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. \\; 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! \\; They cut the deal.
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2007 Ultra Classic
Thundermaxx with Autotune
Rinehart T/D's
Ness Big Sucker
1981 FXWG
heads ported by Branch Flowmetrics
Andrews B Grind
S&S Super E
solid lifters and 2" drags cut off short...real short
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