Am I nutz
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Intermediate
Joined: Sep 2013
Posts: 37
Likes: 0
From: port st lucie fl
Am I nutz
09 bones... My credit is in the toilet.. so I got into this lease deal knowing that I would get bent over on the bike... By the time I finish the lease I will have spent over 30 grand...WOW!!! A loan is not possible and I don't want any cosigners involved...So tell me I'm nut's 
Road Master
Joined: Oct 2013
Posts: 1,168
Likes: 114
From: Drummondville, Qc, Canada
Not that nutz... after all you have wheels.
Ok they will cost you both arms and legs but this lease may help your credit if payments are done on time.
You have your futur in your hands!
Ok they will cost you both arms and legs but this lease may help your credit if payments are done on time.
You have your futur in your hands!
Road Captain
Joined: Jul 2014
Posts: 717
Likes: 15
From: San Dimas
This. Yeah, its neither the best nor ideal, but its the best for your current situation, so sit back, make your payments, and enjoy your ride!
Elite HDF Member
Joined: Dec 2010
Posts: 4,501
Likes: 26
From: Sheboygan,Wi
I know you said that it's a lease. But many years ago my credit was crap due to divorce. But i financed a bike at 16% for 72 months, Crazy right! but I knew going in I would pay a high rate. I had figured the cost and was able to pay off the bike in 24 months by making larger payments thus knocking down the principal and saving on paying higher interest.
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Road Warrior
Joined: May 2009
Posts: 1,825
Likes: 15
When you buy a house and get a Mortgage you pay 3 or 4times what the house is worth. So you are not that Nutz. You have to decide how much is it worth to ride each month if you are OK with it get it.
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Road Warrior
Joined: Aug 2008
Posts: 1,997
Likes: 94
From: Massachusetts
09 bones... My credit is in the toilet.. so I got into this lease deal knowing that I would get bent over on the bike... By the time I finish the lease I will have spent over 30 grand...WOW!!! A loan is not possible and I don't want any cosigners involved...So tell me I'm nut's
Grand HDF Member
Joined: Jul 2012
Posts: 3,970
Likes: 900
From: Omaha
I hate to be harsh, but you're not nuts you're just plain irresponsible.
It's decisions like your lease that is probably the reason you can't get a decent loan.
I'm happy for you to be able to have a decent ride, but you should dump the ride you have now and take what you are now paying monthly and put it in the bank for 36-48 months and then go out and pay cash for a nice bike.
Sure you will not have a ride for 36-48 months but at what you will end up paying with the deal you have now, you could buy two bikes.
I was 50 years old before I bought my first Harley.
Not because I couldn't afford it earlier, but because I had other things that were of higher priority.
If your credit is that bad, you have higher priorities that owning a Harley.
It's decisions like your lease that is probably the reason you can't get a decent loan.
I'm happy for you to be able to have a decent ride, but you should dump the ride you have now and take what you are now paying monthly and put it in the bank for 36-48 months and then go out and pay cash for a nice bike.
Sure you will not have a ride for 36-48 months but at what you will end up paying with the deal you have now, you could buy two bikes.
I was 50 years old before I bought my first Harley.
Not because I couldn't afford it earlier, but because I had other things that were of higher priority.
If your credit is that bad, you have higher priorities that owning a Harley.
Last edited by Bluraven; Aug 13, 2014 at 03:47 PM.