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?

 

I don't think he cares on way or the other. Unless he will make more margin by charging you an out of line interest rate and disguising the actual selling price

 

Personally, I never finance toys. Do whatever gives you the best deal.

Ride safe.

 

What he said!

 

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.

 

+1 on that. The dealer gets $$ from the finance company, just like a mortgage broker gets paid by the lender who finances a real estate purchase.

 

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.

 

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.

 

About the best you can expect to get through HD Finance with excellent credit is around 9%. Kinda depends on how much you finance and for how long.

 

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.