Yearly finance options
#1
Yearly finance options
Hi all,
This is my first post since I sold my Street Bob last summer after I retired from the Air Force. I knew I was moving into an apartment because I moved back to St Louis, from Oklahoma City-where I retired from. I knew I wouldn't have a place to store it, so I sold it. Well, I still live in an apartment because my house still hasn't sold back in OKC. I do have a storage unit closeby so I figured I can keep a new one there for a couple of months.
Anyway, in January H-D was offering 1% financing. This month, they are offering 6 months no interest, 7 months no payments-or vice versa. Anyone know what they typically offer in March?
Thanks
Mike
This is my first post since I sold my Street Bob last summer after I retired from the Air Force. I knew I was moving into an apartment because I moved back to St Louis, from Oklahoma City-where I retired from. I knew I wouldn't have a place to store it, so I sold it. Well, I still live in an apartment because my house still hasn't sold back in OKC. I do have a storage unit closeby so I figured I can keep a new one there for a couple of months.
Anyway, in January H-D was offering 1% financing. This month, they are offering 6 months no interest, 7 months no payments-or vice versa. Anyone know what they typically offer in March?
Thanks
Mike
#3
well from teh short experience i have which is hardley any. since this Feb will be my first purchase of a Harely. they make it seam like march is game over for good deals. my dealer is telling me to grab before the end of Feb.
Last edited by Zac Strayer; 01-22-2011 at 10:30 AM.
#4
6 months no interest, 7 months no payment probably isn't that great of a deal because they still charge you interest for the time period and it's probably higher than you can get if you shop around. I always find credit unions have excellent rates. As far as I know, the dealership has several sources for finasncing. If you don't know the going rate before you go in there, they will probably hose you with a high interest rate loan which is more profit for them.
#5
first and foremost if you finacning check your credit vica scores if your over 720 you will get the best anyone has to offer but like somene above said check banks and c/u before you go in and you can say if u can beat x you can have my finacing otherwise go back to bank always have a plan b you shop for prices why woulden`t you shop for interest rates its all money
#6
Join Date: Nov 2008
Location: Vancouver Island British Colombia Canada
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If Hawgly will give you 6 months interest free with no early buy out penalty, Take that & shop around for your best interest rate. than, at 6 months, switch over to your favorite bank with 6 payments off of your bike's total price. That way you will save a lil' cash.
Hatch.
Hatch.
#7
I was approved with Harley for the 9.99% with a mid to upper 700 credit score. One credit union I checked would approve me with a 3.9% but my debt to income ratio is way too high because I am paying a mortgage and rent until my house sells. I told them I can afford it and that my credit speaks for itself, but they would not budge, so I will probably take the deal from Harley and after my house sells, I will refinance with a better rate. Thanks everyone.
BTW, I can't decide between another Dyna or a Deluxe.
BTW, I can't decide between another Dyna or a Deluxe.
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#9
If Hawgly will give you 6 months interest free with no early buy out penalty, Take that & shop around for your best interest rate. than, at 6 months, switch over to your favorite bank with 6 payments off of your bike's total price. That way you will save a lil' cash.
Hatch.
Hatch.
#10
I bought mine through the TSP (thrift saving plan) of my wifes. Really low interest and your money still grows. I think you are with the old system and may not been offered a tax defered option. Something to check on..........