put your big boy panties on..test ride a 2013 and then decide. sidenote...look at the difference in price of used 88 cu. inch vs 96 cu. inch bikes...altho not much difference in powere 96's are slowly becoming yesterdays news. JMO

 

Have you checked into just refinancing it? You won't get the factory 2% rate that you would on a new bike, but by now you certainly have a ton of equity in the bike, and it should be more attractive to a private lender....

 

You already made 3 years of payment on what you have. You run it without the tour pak most of the time so you already have your SG. You have a pile of goodies that are ready to bolt on. YOU HAVE A HEAD PIPE WITH NO CAT! With cams, air cleaner and pipes you pretty much have the 103. You must like the bike or you never would have bought it. With your better credit, perhaps you can refinance what you have and get even lower payments than what you have?

Maybe that's not what you wanted to hear, so...new bikes are always nice! Same payment means no budget change! All the goodies you have can go on the new bike! Warranty gets renewed for 2 years!

Do what makes you happy. It don't have to be right!

 

There more to to it than simply interest rate percentage. Your 2-3 years into your existing loan and depending on how much farther you have to go to pay it off, it may be less interest than you will pay on the full term 2% loan. You need to do the math.

Have you considered trying to refinance your existing loan? Home equity line of credit? Any other options?

 

Traded my SG for the Ultra Limited.. I know what its like to get the bug and I got a good deal when I traded however my payments were extened. I traded up and still sometimes question my decsion. Not sure you will be trading up other than the year. As far as looks both look the same from the riders seat (had a Vidid black SG) but the Ultra will ride better 2 up.

Just my 2 cents.

Sath

 

What ever happened to buying a Harley you keep it for life. I have an 04 EG, bought it new. Would never get rid of it. Insurance is lower and here in AZ tags go down every year.

 

Your bike has already depreciated. If you really want a new bike, that's cool, get one. But don't make the mistake of thinking that will save any money. It will cost you more.

 

My wife said I can buy a new bike when this one has 100,000 miles on it. I'm planning on getting a new 115th Anniversary bike!

 

Maybe it would be worth looking into a refi. Because its true, if parked next to each other they are nearly identical bikes, other than my accessories.

Of course I would get the warranty too and its hard to quantify what that would be worth.

I do like my bike. I guess what is making me question it is that I am getting ready to put a bunch of accessories into a bike. Would it make better sense if that bike was 3 model yrs newer? What makes it seem attractive is that on a cash flow perspective, I would not be out any more each month than I am now. I guess that its true I would have more total payments, but I doubt I keep the bike forever, and will probably trade it in at some point and thus more payments. So if I just assume that I will have to always make a payment, then it seems ok.

the 2010 only has about 14,000 mi.

 

Go ahead and trade. You know you want to. It maybe financially irresponsible but if I said don't do it. I'd be a hypocrite. Besides you only live once.