To payment or not??
Seasoned HDF Member
Joined: Sep 2010
Posts: 11,730
Likes: 9,163
From: Georgia
Lots of missing information. What was their trade in offer? What was their interest rate? How long? What other loan payments do you have? Most will get the payment to what you want it at if you negatiate on that number. They just extend the terms of the loan and make more money off of you.
If everything you have is paid off except your mortgage and you can comfortably afford to own and maintain the bike, go for it. A motorcycle forum is probably not the place to go for financial advice. In the grand scheme of things $50 is not a lot of money. However, $50 a month over a 60 month loan is $3,000. I put up money, saved and sold things I loved to get my bike. I wouldn't have it any other way, but this mentality leaves me living a much more humble lifestyle than friends in the same income bracket.
If everything you have is paid off except your mortgage and you can comfortably afford to own and maintain the bike, go for it. A motorcycle forum is probably not the place to go for financial advice. In the grand scheme of things $50 is not a lot of money. However, $50 a month over a 60 month loan is $3,000. I put up money, saved and sold things I loved to get my bike. I wouldn't have it any other way, but this mentality leaves me living a much more humble lifestyle than friends in the same income bracket.
Seasoned HDF Member
Joined: Mar 2010
Posts: 19,982
Likes: 6,110
From: Florida
You got a badass LowRider there, and an Evo to boot (better motor than a Twin Cam, some say) Keep that righteous sled, no payments, and stay outta dealerships.
Here are some of Dickey's rules for buying bikes:
Never buy used from a dealership, & Never buy anything that does not have a totally stock motor, stage 1 excluded.
Here are some of Dickey's rules for buying bikes:
Never buy used from a dealership, & Never buy anything that does not have a totally stock motor, stage 1 excluded.
Elite HDF Member
Joined: Oct 2007
Posts: 3,605
Likes: 3
From: Adirondack Mountains
I think you knew the answer before you asked the question.
Welcome to the adult world.
When I got my Wide Glide my credit was terrible,but with a good downpayment and my trade in they got me financed at a high interest rate. I made every payment early for about 4 years then refinanced through another bank and paid it off through Harley and it has increased my credit score by close too 200 points, so this may be a good way for you to build your credit back up, just my 2 cents.
Seasoned HDF Member
Joined: Sep 2010
Posts: 11,730
Likes: 9,163
From: Georgia
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Extreme HDF Member
Joined: Jun 2011
Posts: 10,394
Likes: 1,868
From: California
depends on what your finances are like. Do you have kids? Wife? are you well insured in case you die cutting the grass or any other thing? Are you squared away with savings so if you lose your job you and family are squared away?
If not if you are single and having fun go for it.
But I bet you 10 bucks if you don't buy it within the next 6 months you'll say man I am damn glad I didn't
If not if you are single and having fun go for it.
But I bet you 10 bucks if you don't buy it within the next 6 months you'll say man I am damn glad I didn't
Extreme HDF Member
Joined: Jan 2012
Posts: 12,986
Likes: 715
From: NE Philly
There's nothing wrong with your '95 Evo Dyna Low Rider.
Interestingly enough, there's a guy down the street here with a 1998 95th Anniversary Springer Heritage for sale with 3300 miles on it. I think I can probably get it for about $7500. If it hasn't sold after I return from my trip I might give it some thought.
If I do it it would be for cash. I won't finance a bike.
Interestingly enough, there's a guy down the street here with a 1998 95th Anniversary Springer Heritage for sale with 3300 miles on it. I think I can probably get it for about $7500. If it hasn't sold after I return from my trip I might give it some thought.
If I do it it would be for cash. I won't finance a bike.