View Poll Results: Buy The 2014 Ultra Limited or keep my 2011 Ultra
Voters: 86. You may not vote on this poll
2014 Dilemma, Upgrade Thoughts
Thread Starter
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Cruiser
Joined: Aug 2013
Posts: 152
Likes: 0
From: St Johns
Normally I would have said to hell with it and just go get the new bike but that interest rate is ridiculous. Have you tried shopping that around at all? Maybe with a local credit union. You low credit score is killing you, as you know, work on getting that up.
I think they are treating you good with the trade in and all but I would sure shop around for a better rate. Seems to me you should be able to get something for around 6 or maybe 6.5.
I think they are treating you good with the trade in and all but I would sure shop around for a better rate. Seems to me you should be able to get something for around 6 or maybe 6.5.
Thread Starter
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Cruiser
Joined: Aug 2013
Posts: 152
Likes: 0
From: St Johns
At 6% maybe, at 17 no way. Unless you were dissatisfied with your current bike before you got pulled in by the 14's tractor beam, I'd stick with what you have it sounds pretty nice to me. Don't kid yourself, that 100 is going to turn into 200 for at least the first year when you want pipes and an intake and tuner and this and that and the other thing!
Thread Starter
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Cruiser
Joined: Aug 2013
Posts: 152
Likes: 0
From: St Johns
Yes, your thoughts are exactly as I was thinking. I think the 14's will sell well and will really make the bottom fall out on the used ones as the market will get flooded with them. But then the 14's used probably will loose a lot the first two years as well. Very tempting to buy new but the majority here is telling us NO.....I backed out on the deal today.
Cruiser
Joined: Mar 2013
Posts: 106
Likes: 1
From: Green Bay, WI
Logic would say keep it. Fact is, though, buying a bike is less (if any) logic than emotion. So I say go with your gut/heart and the best financing you can find. You'll scratch that itch and build your credit score at the same time. When you get the chance, refinance at a decent rate. That's usury in this economic climate.
Ride safe!
Ride safe!
Grand HDF Member
Joined: Jun 2007
Posts: 4,599
Likes: 421
From: Lansing mi
Extreme HDF Member
Joined: Jan 2012
Posts: 12,986
Likes: 715
From: NE Philly
Don't do it.
You're welcome.
You're welcome.
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You're effectively putting down more than 60% and you're getting hit with a 17% interest rate something is wrong. It's not that difficult to get less than 7% from HD credit.
I would think of holding off even though I really like the 2014's. I want to hear from owners their likes and complaints. Usually with any first generation stuff it will have problems that might take a year or two to iron out. Two to three years from now are the bikes that I'll really want.
I would think of holding off even though I really like the 2014's. I want to hear from owners their likes and complaints. Usually with any first generation stuff it will have problems that might take a year or two to iron out. Two to three years from now are the bikes that I'll really want.
