Finance Options
Grand HDF Member
Joined: Aug 2020
Posts: 4,798
Likes: 5,889
From: Knoxville
Advice of the past hasn't really transferred to this future really well. It's like doing preventative maintenance on your car using the schedule from a 80 yo mechanic. Sure, some of their tips are helpful, but there's no reason to change pistons on that 2020 F150 at 70,000 miles like my pops used to do on his 52 Packard.
Our economy has changed greatly in the past 40 years, and many 60+ year olds are doing great, and many 20-40 year olds will never be able to do that well. You can no longer buy a home for $45k
Our economy has changed greatly in the past 40 years, and many 60+ year olds are doing great, and many 20-40 year olds will never be able to do that well. You can no longer buy a home for $45k
Road Master
Joined: Aug 2016
Posts: 758
Likes: 134
From: Florida Panhandle
Agree the economic situation has changed, those 20-40 years old kids live as well if not better than many 60+
what the topic is about credit. Todays economy, borrowing from tomorrow for today. Led by the US government. Works for them, works for the people. As government is the people.
We can no longer continue to compare apples to orangutans.
Road Master
Joined: Apr 2014
Posts: 1,025
Likes: 200
From: usa
Nice thread! I am one of those guys who has financed my toy. Very few times in my life I have not had a car/truck and only had a Harley. I am about to hit one of those times again where I am about done with
my car lease. I still have a 2020 Harley Heritage 114...great bike; however, I made trade it in early next year for a larger bike and have no car. I am an older guy who has retired and has access to the mrs. car.
I do plan to finish my degree and have signed to attend a major university. I plan to commute the short distance on my Harley as parking is tight; however, being a semi road warrior I may take the mrs. car if the
weather is bad.
So for me to finance means the rate needs to be acceptable. I got a .99 rate one time on my Harley due to a promotion at my local small CU. The rate was 2.99 but I spun a wheel and it landed on 2.0 off!
I wonder about a CU that makes these decisions on spinning wheels but the CU has been there for over 35 years....so spin away I say.
my car lease. I still have a 2020 Harley Heritage 114...great bike; however, I made trade it in early next year for a larger bike and have no car. I am an older guy who has retired and has access to the mrs. car.
I do plan to finish my degree and have signed to attend a major university. I plan to commute the short distance on my Harley as parking is tight; however, being a semi road warrior I may take the mrs. car if the
weather is bad.
So for me to finance means the rate needs to be acceptable. I got a .99 rate one time on my Harley due to a promotion at my local small CU. The rate was 2.99 but I spun a wheel and it landed on 2.0 off!
I wonder about a CU that makes these decisions on spinning wheels but the CU has been there for over 35 years....so spin away I say.
Last edited by GeneseeGap; Apr 29, 2023 at 02:07 PM. Reason: Corrections
Seasoned HDF Member
Joined: Dec 2009
Posts: 17,684
Likes: 6,062
From: Niagara, Ontario, Canada
Most places you can negotiate to some extent the rate. All these places have money just sitting on the shelf, they need to sell you a loan to make some money off it.
Stellar HDF Member
Joined: Jul 2020
Posts: 3,445
Likes: 2,457
Giving advice like this without knowing personal financial situation is not wise.
I financed my bike at 1.9% in 2022. Why would I take out 27k cash that makes me more than that?
I would actually lose money if I paid cash.
OP, try Altra Credit Union. They are great to deal with and super fast with loan processing.
I financed my bike at 1.9% in 2022. Why would I take out 27k cash that makes me more than that?
I would actually lose money if I paid cash.
OP, try Altra Credit Union. They are great to deal with and super fast with loan processing.
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