Paid in full up front.

 

Was waiting for my settlement from when I got hit on my Sportster. Got a great deal on my Dyna in December 2011. Financed it until the settlement came through a few months later then paid it off.

 

All these cash buyers must have better jobs than I do (and I don't think that I make a bad living). LoL

Financed - and mostly stock - changed handgrips and footboard inserts only. As the OP mentioned, it doesn't make much sense to pay for expensive mods if that money can be used for early pay-off.

Although I financed, I am about 18 months ahead of the loan. I always pay extra (bikes and cars) on each payment to pay off early. (Always make sure that the loan does not have early pay-off penalties.)

 

Strange. Same way here on my Dyna. Got run over on my Sporty on April 7. Nurses thought I was crazy as a lay in my bed shopping for a new bike on my laptop!

 

Paid cash for both bikes.

 

Bought used. Paid cash.

I have had my issues with credit in the past and have thankfully learnt my (hard) lesson.

If I can't afford it straight out I don't buy it.

 

I bought my 09 Fatboy cash.....because I didn't like the rates....
Traded that in....and financed balance on RKC...at 1 percent interest ....so I never use cash unless it makes sense. Cash is King...never use it unless you have to. In this economy preserve your cash. Run the numbers first. If you can buy a 20k bike at 1 to 3 percent....keep your money...buy some stock...invest it in something.

 

Financed and eventually paid off.

 

I don't know where you guys get the cash, but I didn't have 12k laying around when I got my bike. (well, I did, but I wasn't going to empty my bank account for it) 3k down though.

 

401K Loan here... I figure if the market dumps and I loose everything at least I would still have something to show for!! Besides, the interest gets paid back to me anyway and I have 33 more years before retirement and I paid with hundreds and hold the title!!