Dealer is saying 26,500 for a 2014 Ultra Limited Amber whiskey/Black two tone. They Offered me 9600 for my 2011 Fat Bob as a trade which seems fair as they don't seem to be selling for more than about 10000 figured I would put enough down to bring the amount financed to 15000. However all of the financing options I've looked into have ridiculous interest rates USAA is 13.99 , Navy Fed Credit Union's best was 7.6 and harley was 8.25%. I don't have the best credit but its not bad about 700. Is it just not a good time to buy or are those rates normal. I really want this bike and am thinking about just buying it and paying it off as fast as possible. Any advice? My bike is paid off but I'm in love with those 2014 dressers. Harley fixed pretty much everything I didn't like about the past models so I'm drinking the Kool-Aid heavily now.

 

Is 26500 with tax tags and title and freight setup and docs? Or is that in addition to the 26500? Yeah that's high on the interest rate. I just financed mine at local credit union at 1.9% for 5 years.

 

I went through my local credit union and got 3.14% interest rate on my 14 limited with around the same credit score as you

 

Good numbers... the rate could be better.

If it's what you want, do it!

 

Check out HD's Financing. I got 2.99% in November. I thought that was pretty good at the time.

Edit:
Oops, just reread your post you already got a quote from HD.

 

If you want to pounce on the deal do it. It's not bad,and it's the bike you want. Then turn right around and refinance with a local credit union of your choice.

 

Interest rates are horrible anymore for motorcycles unless your looking at your credit union. Fortunately I've held the title for my last 2 touring bikes so my loans were minimal. I just went from a vivid black 2012 limited to a black/charcoal 2014 limited for 25,000+Tax OTD this past saturday (17,600 for my "12")
I probably could have squeezed more out of my trade (NADA was 17,500) or sold it outright, but the bike had BAD lifter tick for almost 15 minutes after a cold start that the dealer kept telling me was normal. I couldn't in good faith sell that to anyone.

 

The numbers look good, i paid that for my vivid black flhtk, i also traded in a 2011 FXDF, got a little more, about $10,750. that interest rate though is awful. i got 1.9% at my credit union for 5 years...

 

As of two weeks ago, Harley's best rate was 3.99% for 5 years. The dealer can do better. Your dealer's finance guy needs to earn some of his money and find you a better rate.

 

Yeah. I think if I can't find a better rate then I'm just going to have to hold off for a while. I really want that bike but I can't get over having to pay so much to borrow the money to pay for it. I'm looking at over to 6 grand in finance charges alone if the loan goes to term. On the other hand I could just pay it of early. Oh to be younger and financially irresponsible. I would have already had it in my younger days.