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The WORST or certainly one of the worst mistakes anyone can make is shopping based on answering a sales person's favorite question: "How much do you want your monthly payment to be?" Obviously, that gives them enough information to play with the numbers, term of the loan and the interest amount.
Research, research, research BEFORE you walk in the door. Know your numbers and stick to them and do a lot of shopping around. I feel sorry for those who only have on HD in their vicinity.....I'm "spoiled" with 4 HD dealers within 5 to 20 miles of my home.
While I am fairly fiscally conservative and run spreadsheets on my budgets. This is topic that can get melodramatic fast. But that is why we come here. I will finance. I look I decide if that interest is worth it. But some of these loan terms are getting crazy long, especially if people are actually paying for that long.
7 Surprising Harley-Davidson Products that Are Not Motorcycles
Slideshow: The bar-and-shield logo shows up on far more than motorcycles, some of the company's most unexpected products have nothing to do with riding.
Slideshow: From the troubled AMF years to modern misfires, these bikes earned reputations for reliability issues, questionable engineering, or disappointing performance.
Crazy Bunderbike Build Looks Amazing, But Is It Impossible to Ride?
Slideshow: The Swiss custom shop has taken a Harley Softail and stretched it into something so long and low that it looks closer to a rolling sculpture than a conventional motorcycle.
Engraved Rebellion: Inside Bundnerbike's Glam Rock II
Slideshow: A standard cruiser becomes an intricate metal canvas in the hands of a Swiss custom house known for pushing Harley-Davidson platforms far beyond their factory brief.
Slideshow: Harley-Davidson's challenges aren't abstract; they show up in dropping shipments, shrinking dealer traffic, and strategic decisions that aren't yet translating into growth.