HD Financing Question***

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May 9, 2013 | 01:29 AM

#11

jojoenglish85

Road Captain

Joined: Oct 2010

Posts: 543

Likes: 2

i wouldn't add anything to the price of the bike. Your looking at something they will charge you. My dealer wanted to charge me 400 dollars to add the HD springer seat and drag bars to my 48 when i first bought it. Not including the price of the seat and bars. They will rip you off bro, just imagine how much more you would be paying if you made payments on that crap. Better off saving for what you want done.

May 9, 2013 | 03:20 AM

#12

JustOneDean

Road Warrior

Joined: Jun 2012

Posts: 1,832

Likes: 67

From: Phoenix

Gonna echo what's been said already. Finance the bike if you have to, but don't pay interest on parts and labor too.

May 9, 2013 | 08:39 AM

#13

Mithion

Thread Starter

Cruiser

Joined: Sep 2012

Posts: 137

Likes: 0

From: Indian Head, Maryland

Is there anything that could potentially void a warranty if you did it your self vs havin the dealer do it?

May 9, 2013 | 09:32 AM

#14

jojoenglish85

Road Captain

Joined: Oct 2010

Posts: 543

Likes: 2

depends on the dealer. I was told by my dealer in AZ that if i put on pipes handlebars or mess with the A/C myself, then i would be voided. If you look in your Manual, it pretty much tells you that HD has the right to void your warranty for any cause whatsoever.

May 9, 2013 | 09:40 AM

#15

Mithion

Thread Starter

Cruiser

Joined: Sep 2012

Posts: 137

Likes: 0

From: Indian Head, Maryland

I'd most likely only add in one or two very expensive mods to the finance price and do the rest by saving and doing the work my self! It's much easier to add a $400 set of pipes or $800 set of wheels into a monthly payment than saving that when I have bills and kids etc..

May 9, 2013 | 11:13 AM

#16

IRON1250

Road Master

Joined: Apr 2012

Posts: 1,188

Likes: 24

From: New Hampshire

one mistake i made was i had them add stage1, rinehart slipons and reflash to loan then a couple of years later did 1250 kit and changed all that stuff , but i'll be paying for it for the rest of my loan. make sure your not going to change your mind before the loan is paid off as you will pay interest no matter if you remove the parts or not.

May 9, 2013 | 11:17 AM

#17

Notgrownup

Seasoned HDF Member

Joined: Mar 2009

Posts: 24,712

Likes: 9,219

From: Snow Hill, NC

think long and hard about what you want to add... When i got my bike new in 07 i wanted to add pipes and cruise control... the nice thing about this is it was alway cvered under my extended warranty...if you add after it's only 1 year.

May 9, 2013 | 11:32 AM

#18

jojoenglish85

Road Captain

Joined: Oct 2010

Posts: 543

Likes: 2

Quote:

Originally Posted by Mithion

I understand what your saying but for instance, when i got my 48 brand new at the end of 2010 i wanted to put on everything i saw. But i realized that it would not be worth it in the long run if i wanted a change. Its been 3 years since i have had my bike and it is still bone stock. I have finally this years ordered a plethura of parts to begin the modification process. My reasoning for it was i only have 5k left to pay off. I would be miserable and wouldn't contemplate changing a thing if i had purchased parts bundled into my loan until the bike was outright owned by myself. So i suggest that if you do get stuff added on by the dealer and get it rolled into your loan. Make sure you get absolutely everything that you think you would want at that time.

Because if you buy more parts a year from the purchase date or even 2 years from your purchase date, then your doing yourself a disservice by wasting your own cash, when you could be putting that extra money to your loan to pay it off quicker.

I sacrificed for a whole long 3 years and now im willing to go out there and spend a little cash on my ride.