Actually, When I was buying my '03 Cobra I was haveing problems getting financed. The dealer tried factory and 15 other banks in San Antonio, all of which said NO with my credit score of 640. I went to my bank (credit Union) who I have done business with for almost 10 years and was approved within 20 minutes. So a relationship with a particular bank does have advantages as your credit score is just a number, but a good relationship goes a long way.Sorry to say Jimbo but if you finance it doesnt matter where you go to get the loan it will go on your credit report the same way.. You will get lower interest rate at a bank or a credit union.. I think buying a bike is a lot like buying a car as for the new ones.. Tell them you want to see the invoice it will tell you how much thay paid for the bike, and pay three hundred over that and you will leave with a good deal..
Each year is broken down into four quarters.You said the last day of the month of a "new quarter" ??? explain please...i also heard that if was wiser to buy during the off season like during the fall or winter.
Yes, but what are reasonable fees? Let's say the '06 gixx 1K is msrp'd at $10,999. Is tacking on state tax and $200-$300 in fees to that reasonable? Not if the dealership paid $9440 for it (and got reimbursed for putting the thing together). I understand we all have to make a living, but that's not an excuse to literally rape somebody.... So when you see the extra fees its for a reason.
As the original poster, I feel that I need to counter your post somewhat.Ive got to be honest with you, you guys are all going about this the wrong way. Yes the bikes are expensive, but from all of the posts that I have seen there is something wrong. The first part of the post starts out by saying, that you should take 10% off of the asking price. Yeah, maybe if it is a leftover model. Dealers do have to make money, and so do salespeople. I agree that there are some dealers that are bad about tacking on extra fees, and if you are smart enough you will be able to catch that. If I have to waste my time by taking half an hour talking to a customer and building a repoir with him/her and then they automatically want to buy the bike for what we payed for it its like a direct insult to me. Why even come to a dealership? Because you cannot buy a bike directly from the factory!!! If you did, you would have to put it together by yourself from the crate, put fluids in it, get all of the bolts torqued correctly, test ride it, get your own title registered, pay taxes on it, and do all of your own maintenece. Now, how many people could do that by themselves, or who would actually want to? not too many people. (im not saying that some people cant) I get payed commission for what I sell, if we sold everything at what we payed for it the dealership would go bankrupt in a couple days and I would be unemployed. I am here to provide a service to you, I am not your enemy. I have to live too. So when you see the extra fees its for a reason.