Need Help Pulling The Trigger
Thread Starter
|
6th Gear
Joined: Jan 2010
Posts: 12
Likes: 0
Need Help Pulling The Trigger
I am getting ready to pull the trigger on a 2010 Limited. Question is should I tell the dealer I will finance for 84 months and possible get a better price then pay it off at first payment due or pay cash up front?
Ultimate HDF Member
Joined: Feb 2010
Posts: 8,039
Likes: 1,305
From: Jayhawk Country
Not sure everyone here understands your question but I see what you are talking about. My dealer got me a better price on the bike by financing through Harley. So the answer would be yes, I think you will get a better deal on the bike by financing it and then you can pay it off when the first payment comes due since it's a simple interest loan and there is no penalties for paying it off early. My first statement actually said if you want to payoff your bike now here is the pay off price or just make the regular payment. I think you have a good idea. Not all of us are independently wealthy so poor bastards like me have to make payments. Nothing wrong with that either as long as you get what you want.
Last edited by KCFLHRC; Feb 18, 2010 at 12:34 PM.
Road Warrior
Joined: Aug 2009
Posts: 1,926
Likes: 185
From: Utah
Not sure everyone here understands your question but I see what you are talking about. My dealer got me a better price on the bike by financing through Harley. So the answer would be yes, I think you will get a better deal on the bike by financing it and then you can pay it off when the first payment comes due since it's a simple interest loan and there is no penalties for paying it off early. My first statement actually said if you want to payoff your bike now here is the pay off price or just make the regular payment.
Outstanding HDF Member
Joined: Sep 2008
Posts: 2,408
Likes: 1
From: pottsville,pa
Most dealers will add points to the interest rate to make even more money. Tell him that your looking to finance for 84 months, that way he might consider dropping a few $$$ off the price thinking he'll make it up on the financing. Then pay it off when the first payment is due.
Trending Topics
Elite HDF Member
Joined: Apr 2009
Posts: 3,780
Likes: 69
From: Al Bu Ker Key, New Mexico
Thinking of doing the HD Finance thing myself on a new 2010 SG. Does anyone know what rates are being quoted assuming stellar credit rating? I suspected the Dealer might get some $$ for running thru HD Finance as my "salesman" is really pushing it as soon as he heard me mention my bank for financing. A simple interest loan is unheard of these days and you can pay it off anytime without losing on the interest. This is a BIG plus if you have to finance. Not many of us can choke down $25K in a single bite.
HD Forum Stories
The Best of Harley-Davidson for Lifelong Riders
7 Surprising Harley-Davidson Products that Are Not Motorcycles
Verdad Gallardo
8 Best Harley-Davidson Motorcycles Ever
Pouria Savadkouei
10 Worst Harley-Davidson Motorcycles Ever
Pouria Savadkouei
Killer Custom's Jail Break Is The Breakout That Refused to Blend In
Verdad Gallardo
Crazy Bunderbike Build Looks Amazing, But Is It Impossible to Ride?
Verdad Gallardo
Harley-Davidson Reveals Super Cool Cafe Racer Concept
Verdad Gallardo
Engraved Rebellion: Inside Bundnerbike's Glam Rock II
Verdad Gallardo
10 Motorcycles You Should Never Buy
Joe Kucinski
10 Things Harley-Davidson Needs to Fix in 2026
Verdad Gallardo
Ultimate HDF Member
Joined: Feb 2010
Posts: 8,039
Likes: 1,305
From: Jayhawk Country
Thinking of doing the HD Finance thing myself on a new 2010 SG. Does anyone know what rates are being quoted assuming stellar credit rating? I suspected the Dealer might get some $$ for running thru HD Finance as my "salesman" is really pushing it as soon as he heard me mention my bank for financing. A simple interest loan is unheard of these days and you can pay it off anytime without losing on the interest. This is a BIG plus if you have to finance. Not many of us can choke down $25K in a single bite.
Tourer
Joined: Dec 2008
Posts: 366
Likes: 0
Lay out the Cash minus $2000.00 and see if they will bite. If not leave your phone number. after a day call them and offer they $500.00 more.
Before you finance your ride with Harley, call a Credit Union. 3.9% at mine.
Before you finance your ride with Harley, call a Credit Union. 3.9% at mine.