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The mark of a good deal is "Value received for money spent" ... but something else you learned as a teenager comes into play also ... "If it feels good, do it"
They're in the ballpark on the Sportster.... but I remember a couple years ago when they were offering 100% back on Sportsters on a Big Twin within a year or two...
I think 16 is a bit ambitious for the FLHX.
Spend some time in there, chisel both ends. I believe you could get another thousand dollars closer.
But I do not disagree with the others, sell your Sportster yourself, depending on condition, you should be able to get between $7500 and $8000 out of it.
And remember (since you're obviously financing,) Dealers in many states are permitted to add 3% ON TOP of what the Harley Financial quotes. Be sure to ask to see the "wholesale loan rate" before you sign the papers.
Unfortunately the majority of us don't have the spare money to just walk into a dealership and buy a bike. And because of that we normally use a dealership because they have financing. The other issue is if you already have a bike you don't want to wait to sell it on your own because that could take months and obviously the dealership will take it off your hands immediately. With trade-ins you're never going to get back what you either have put into it or what you feel the selling price should be. So with all that said you are at the dealership's mercy. I guess it just boils down to do you really want that new bike and can you handle taking a loss on your trade-in?
Good luck !
The one positive i found to trading my Low Rider in was not having to deal with the people who were interested in it. I put pictures on craigslist, one with it on a jack because i had just washed it. Wanted to show it with and without bags and windshield. One guy asked me if it had a kickstand. Traded the next day.
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