How does this build list look?

All of this would be theoretically installed by the dealer and added into the finance price. Labor costs are not included in this list. I will also be receiving a Military discount and no tax due to purchase in DE.

Tell me what you think please, all advice and opinions welcome good and bad!

2013 Iron 883- $8,000

Add Ons-

833-1200 Conversion- $1,200.00
HD Slotted Six Spoke Black Wheels 16R/19F- $850.00
V&H Black Short Shots- $480.00
Burly Black Slammer Kit- $300.00
RSD Black Ops Prostep Internal Wire Handlebars- $280.00
Chrome Glow Black Anodize LED Front Signals- $244.00
RSD Black Ops Headlight/Gauge Relocater- $250.00
Headwinds Black 1 3/8 Rear Turn Signals- $215.00
V&H Naked VO2 Air Kit- $140.00

Parts Total- $3,960.00
Bike Total- $11,960.00

All prices are from HD and J&P Catalog

I figure it's easier to have all of this added into my finance price rather than taking forever to save for it. I have very good credit and using the HD finance calculator I can stay under $300.00 a month easy. I will either use my own bank or HD, whomever offers me the best APR obviously and I will probably put around $2,000.00 down as well.

What do you think?

Good idea?
Bad idea?
Change some stuff up?

 

If the money for future mods is an issue go for it. Only bummer is your going to be paying interest for those mods. Another option would be to check out some used low mile bikes already setup

 

If it were me, I would get the bike and ride it for a bit before doing any mods. My bike has changed so much from what my original ideas were. I would not pay the dealer to do any of that work as most can be done by you. With a service manual and some tools, you will save yourself a ton of money aside from the interest you will be paying.

 

My thinking is that I can afford monthly payments but will not really ever have an extra $100-500 to spend on bike mods. All of this included into a monthly payment gets me it all out the door opposed to taking years to save for all of it and pay for each thing one at a time.

 

Personally I would look at used bikes that are already modded, just get approved for a loan at a credit union or bank. I just hate getting salesmen commission, but that's just me.

 

I'd suggest the same. Also, you are missing some sort of tuner and/or dyno tune in your costs, that can be several hundred dollars, and you'll need to factor in labor to install all that, I'm guessing that might be at least another $1000.

 

Expect a substantial charge for labor.

 

So you'll "...not really have an "extra" $100-500 to spend on bike mods" yet you're willing to take a loan and probably pay a couple thousand $$ in interest?

I'm with most others here; get the bike, ride. Save up for your individual "mods" and make them happen at your leisure. This serves two purposes; 1] you have less of an initial investment to make [read: easier on your pocketbook] and 2] you have time to fully investigate those mods/get the stupid ideas out of your head to save some $$ and regret. Plenty of guys here have garages with more than a few items they wished they hadn't been "in such a hurry" to aquire, and personal choices have a way of changing over time, especially when new chingaderos come out...oh and yes you will need a tuner too...

=8^)

 

So maybe just add in the one or two most expensive or most wanted parts into the finance, like the pipes and wheels and then purchase the rest over time.

 

This is really poor finance management. If you can't afford the mods in the future, don't finance them today. You could probably find a modded bike with a few thousand miles for half that.