Approved for financing...hoping to get a bike next few days
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Approved for financing...rate wasn't as bad as expected
6.99, about same as my CU, bank....
So glad I have read the forums here for the past few weeks, thanks to all who have shared so much experience!
have financing approved thru HD, (tier 2, whatever the hell that means) will find out if I'm going to get my a$$ reamed tomorrow. I do have some bargaining points to throw at them, since I have good credit, a good credit union thru my work with good rates. so maybe I'll fair well when I push back. (fingers crossed)
I'm looking at the Iron, really love the bike, but perhaps I'll go with the Nightster...dunno will have to go with my gut when i'm there. the xtra few grand difference might be tough to swallow.
i'm hoping for a great first time buying experience...
So glad I have read the forums here for the past few weeks, thanks to all who have shared so much experience!
have financing approved thru HD, (tier 2, whatever the hell that means) will find out if I'm going to get my a$$ reamed tomorrow. I do have some bargaining points to throw at them, since I have good credit, a good credit union thru my work with good rates. so maybe I'll fair well when I push back. (fingers crossed)
I'm looking at the Iron, really love the bike, but perhaps I'll go with the Nightster...dunno will have to go with my gut when i'm there. the xtra few grand difference might be tough to swallow.
i'm hoping for a great first time buying experience...
Last edited by naphtali5725; 06-10-2009 at 03:42 PM.
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I assume financing for HD is alot like autos (my wife is a finance manager) Tier 1 is for people that have A+ credit. They get the advertised lowest interest rate offered at the time. Tier 2 means they take the lowest possible rate and add a percentage point or 2.
Tier 1 is rather difficult to get. People with sparkling credit may still be Tier 2 borrowers unless they have a past history of financing with that particular lender.
Just a word to the wise...HD financing is going to have a higher interest rate than a Credit Union but they also have longer repayment plans to fit your monthly budget.
Regardless, good luck in making your choice. You will love either bike I'm sure.
Tier 1 is rather difficult to get. People with sparkling credit may still be Tier 2 borrowers unless they have a past history of financing with that particular lender.
Just a word to the wise...HD financing is going to have a higher interest rate than a Credit Union but they also have longer repayment plans to fit your monthly budget.
Regardless, good luck in making your choice. You will love either bike I'm sure.
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Join Date: Jun 2008
Location: Cape Girardeau, MO by way of Greensboro, NC
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My recent purchace went through Eaglebank (HD) and the rate was actually a lot less than my bank, my dad's CU and a few other banks (2-4% less) even at 60 months. I was quite shocked.
Biggest diference between 883 and 1200 is resell imo. The 883 will be slower and not as smooth running at highway speeds, but both will get you around just the same.
Like another poster here said, check around for used bikes. I found an 07 with only 1224 miles and had it financed through HD. Main reason I really bought a sportster tho is more or less a "rideable savings account".
Good luck and enjoy
Biggest diference between 883 and 1200 is resell imo. The 883 will be slower and not as smooth running at highway speeds, but both will get you around just the same.
Like another poster here said, check around for used bikes. I found an 07 with only 1224 miles and had it financed through HD. Main reason I really bought a sportster tho is more or less a "rideable savings account".
Good luck and enjoy