Financing !
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Novice
Joined: Aug 2016
Posts: 16
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From: Hurst TX
Financing !
What's the lowest you have seen on interest rates on a motorcycle financing? With good credit.
is Harly davidson fair with there interest rate or would a private bank be better?
is Harly davidson fair with there interest rate or would a private bank be better?
Club Member
Joined: Apr 2007
Posts: 69,901
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From: South Florida
BuzzCap7
Tourer
Joined: Jul 2016
Posts: 386
Likes: 117
From: Beaver Falls PA
When I bought my 2016 883 Iron Harley was offering 0.9% , credit score was above 800 . Although don't think you needed a score that high to qualify .Almost like free money . They do not seem to offer that often ?
Banned
Joined: Feb 2017
Posts: 856
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My CU will beat whatever I rate I get elsewhere by 1%. Dealer wrote the note for 2.9%, I signed the paperwork and took it home. Next day submitted the paperwork to the CU and they paid off the dealer and gave me 1.9%.
It pays to shop around....
Ray
It pays to shop around....
Ray
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Seasoned HDF Member
Joined: Aug 2013
Posts: 35,724
Likes: 38,307
From: Post Falls, ID
To avoid the dental extraction performed on you by the dealership finance manager, have your financing arranged before you arrive at the dealer. Ignore the sales pitch and hard sell by the manager that they can get a better rate than the one offered by your pre-arranged financing.
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Get pre-approved and a have a bank draft in your hand
Go see the dealer
See what rate they offer
Buy the bike you want with either your bank draft or the dealer offer
Don't take anyones advice here about what works best for you there. All scenarios are different
Go see the dealer
See what rate they offer
Buy the bike you want with either your bank draft or the dealer offer
Don't take anyones advice here about what works best for you there. All scenarios are different
Outstanding HDF Member
Joined: Sep 2017
Posts: 2,008
Likes: 788
From: Great State of Texas
My Credit Union does 1.75% on new bikes and autos. If you take credit life it deducts .25% as well as .25% off for credit disability. So, 1.25% up to six years.
I was Pre-approved when I walked in. Zero hassle other than negotiating price. Bartered the deal, called the CU and told them to contact the dealership. Draft sent, I rode home.
Paid the bike off in six months. Interest on anything sux.
I was Pre-approved when I walked in. Zero hassle other than negotiating price. Bartered the deal, called the CU and told them to contact the dealership. Draft sent, I rode home.
Paid the bike off in six months. Interest on anything sux.