Yes - I doubt that happening. Harley dealers are never as desparate to make a sale as Ford dealers, from what I've seen.

 

I just wonder why a lot of the post are against financing and thinking this couple will fall on hard times. I never saw a mention of place of employment or type of job. I know its hard to believe, but some folks still have a pretty secure job.......well in order not to change the subject, definitely shop around for financing, and give the dealership the attitude you want the bike, but you can do without it, don't seem exited, remember they need to sell the bike more than you need to buy it.

 

Buying a bike or a car is like playing poker. The salesman and the house love the player that shows his hand from the outset but it's not too late. I always research in advance what I want and then phone ahead to condition the seller to take less. It's an old trick. If it's advertised for 10 grand, I phone and say I wouldn't be prepared to pay more than nine and ask whether it's worth coming for a look. If he says yes, then you know you won't pay more than nine but you can still pay less if you work hard when you get there. Not too late though... Check out what deals you can get elsewhere then go back and crunch the dealer. If he won't match your best offer then walk with or without your hundred dollar deposit. As far as financing your bikes goes, as a previous poster said "only you know your financial situation" If you can do it comfortably and it's a priority then only you know if you can afford it. I've bought about 34 bikes in my life and only a few less cars. Some I've shared with the bank and some I've owned outright. The bikes that belonged to me and the bank always went as fast as the ones I owned, but when my kids were young and I had other things I had to pay for I do remember unloading a couple because I found it hard to justify what it was costing me in total to keep them. When I calculated the interest rate and depreciation and added that to my annual registration and insurance costs. These days I don't owe anybody anything because I'm getting older and I don't mind indulging myself a bit. In your case, if your comfortable with it, the financed bikes will be cherished as much as the fully owned. If it's a struggle, that won't be the case but only you'll know. I/we might be overstepping the mark giving advice on financial matters and I'm not making any judgements or assumptions. You may well be able to buy and sell me times over. Just trying to lend my experience to a fellow rider. Hope you get a great deal, enjoy the **** out of 'em and ride safe.

 

Wow, I have to say I completly disagree with Garand. If our world, much less just our country, ran that way most of us would still be riding horses as our main source of transportation and living in houses made of mud and sticks. I can see where financing 100% on "toys" can result in making a bad situation worse, but if the buyer is responsible everything will be just fine and it gives the buyer much more time to do what he/she enjoys...riding. Did I mention that time is the only resource you can not get more of? Anyway, off the soapbox now...To the OP; work the deal, check all your options (other dealers and other lenders), and most importantly congrats and have fun with the new bikes!

 

I am calling a few banks first to get their rates. I also plan on not signing anything today and shopping around on Saturday at a few other dealers. I'll shoot high and settle somewhere in between for the deal.

As for everyone telling me not to finance, I'm gonna hold my tongue and just say I am more than aware of what is involved with financing a "toy" as you call it. We are both actually selling our pleasure vehicles for the bikes, but are waiting till spring to do so, so financing it until then.

 

yeh, only rich people buy brand new Harleys outright. never met a rich biker myself

 

Nothing wrong with financing a bike.

In your particular situation, having even a small deposit down on one of the bikes is telling the salesperson you're already committed regardless of the deal he gives you.

I would spend the next few days shopping around somewhere else and wait 'till that dealer calls you back wondering if you changed your mind.

I'm serious...do not go back there until they call looking for you.

 

I agree with purstockeracer - life is short - get them an enjoy them. only you know your financial situation, if you can afford the notes, do it.

and don't come back here telling us when deal you got - because someone will "ONE UP" you about what a great deal they got or how the dealer gave them a case of tee-shirts, or life time oil changes, or whatever....

just do it and ride!

 

I don't recall the OP asking for financial planning advice. Sheesh. Some of you money nannies are ridiculous.

 

Kinda my line of thinking.

To the OP. If you are serious, don't let the dealer know how anxious you are. Take your time, don't commit, make them come after you. Then ask for more.

I drug buying a new pickup years back , over a month. After I got what I wanted for the price I wanted, I got them to fill the 30 gal tank for me.