Financing
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Cruiser
Joined: Aug 2008
Posts: 193
Likes: 0
From: Pikeville, Kentucky
Hey all! Just got my credit score the other day! (I know it's been awhile since I posted on this thread!) It's 697! I'm wanting a Sportster 1200 Custom. With that credit score would they finance me?
Last edited by highwayman; Jul 27, 2010 at 04:23 PM.
Outstanding HDF Member
Joined: Sep 2006
Posts: 2,371
Likes: 11
From:
Yes, They will. See if you can find a new 2009 1200 sportster at a dealer. HD is doing a 1% 60 month finance promo on leftover sportsters. Offer ends 7/31 so move fast. Good luck.
Road Master
Joined: Dec 2006
Posts: 786
Likes: 9
From: Oceanside, California
Guess I should fell good with my 829 score then.
I was only being blountly honest. I didn't want you thinking or having others really thinking that a 610 is a "good" score cause it isn't, and I DO know my "facts" and as you can see below directly from FICO a 610 is at the next to the bottom of their rating scale. Also one rarely ever goes under 500 even with BK's and Repos and one rarely goes over 820 even with outstanding payments and low usage. Low limit credit cards don't mean squat except in the credit rebuilding process because they can be had by just about any credit score from the bottom feeder card companies. As for Snap-On I don't know a single mechanic inlcuding the one that works for me that doesn't have a weekly Snap-On account, ANY mechanic can get one and that's why he is there every week at payday to collect in person cause he knows he has allowed high risk borrowers.
Don't believe me? Walk in any bank and try to get a loan with a 610. Short of collateral with a low DTV ratio and/or heavy Down Payments it ain't happening.
I wish you the best and do hope that you do get your credit straight and hope you get a Harley but at the same time if you can't take the truth you are on the wrong forum cause this is the big boy forum and we wear big boy pants not our feelings on a sleeve.
FICOŽ Scoring
760-850
700-759
660-699
620-659
580-619
500-579
Don't believe me? Walk in any bank and try to get a loan with a 610. Short of collateral with a low DTV ratio and/or heavy Down Payments it ain't happening.
I wish you the best and do hope that you do get your credit straight and hope you get a Harley but at the same time if you can't take the truth you are on the wrong forum cause this is the big boy forum and we wear big boy pants not our feelings on a sleeve.
FICOŽ Scoring
760-850
700-759
660-699
620-659
580-619
500-579
Tourer
Joined: Jul 2012
Posts: 285
Likes: 0
From: Massachusetts
I got mine at 17% with crap credit in July. Just refinance through a credit union last week at 6%. Still kinda high but alot better than 17. I make extra payments anyways so end result won't be too bad.
Elite HDF Member
Joined: Sep 2009
Posts: 3,672
Likes: 643
6 isn't bad, but 17? Good lord man, you're damn lucky you got a refi, it's Insane to sign on anything that high IMO
Big Kahuna HDF Member
Joined: Dec 2012
Posts: 322,622
Likes: 3,077
From: .....
I was approved right off but I knew that would happen, since my credit is excellent...so far. With a little down, I got 6.4% and $256 a month payments.
Last edited by ChickinOnaChain; Mar 10, 2013 at 05:29 PM.
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