Harley - Sky High APR?!

[j.silvs]

First off.. Hi again all, been a while.

So been in the market for a new bike and thought I would try out an Iron 883.

Went for a test ride and really liked the relaxed style. I know, I know... Gheyyyyyy

PCP deal gets calculated and bloody hell... 13% APR??

Thought this dealer was a rip off so called up a few others and none were lower than 12%.

Since when were APRs that high on a vehicle?

[Ben90]

13%, and they don't even have to remove your chaps..

Personal loan?
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Yamaha FZ6 S2

[j.silvs]

Exactly my thoughts..

Wanted to go down the PCP route with balloon payment to hand it back. Didn't fancy going through a personal loan tbh

[grr666]

Pre-op or post-op?
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Currently enjoying products from Ford, Mazda and Yamaha
Ste wrote: Avatars are fine, it's signatures that need turning off.

[stevo as b4]

I'd be straight down the yam dealer test riding an xv950 custom thingy, and looking for the 0% sign on the shop windows too.

No hog is worth the over inflated prices they are asking, and I reckon you could spec up something like the xv950 custom accessories, a trick pipe and power commander etc, and have a faster better bike with the wrong badge!

If I ever wind up with a custom hard tail chopper, it'll have either a 4cyl or 6pot motor, no 45degree milwakee lump of pig iron in my bike.

[Ste]

I'll sell you some PCP for less than 13% and I'm quite willing to bet that my product is of a higher quality than whatever some douche with a Harley tried to sell you.

[Matt B]

[Blobber]

[Kris]

I honestly can't fathom why anyone would go for a PCP deal.

You don't own the bike and you have to pay more at the end if you actually use it.
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www.prisonplanet.com

[Ste]

There must be a demographic that PCP deals are actually good for?

That's other than the salesman who gets his commission on the finance.

[Robby]

Harley sportsters are quite competitively priced brand new. This is because you will spend another £1500-2k on exhausts, air filter, remap and tassles.

A lot of people buy one new and then trade it in at 1-3 years having hardly ridden it, often for a very similar model. Sounds like a waste of money, but they're probably only losing 1 or 2 grand a year. Given that these are the kind of people who are doing the same thing with fairly nice cars, the bike is a cheap toy.

This means it makes a lot of sense to buy a Harley at 1-3 years old with low mileage, full service history, and the exhausts, air filter, remap and tassles already fitted. I did, even bought it from a dealer. His price was the same as worse used examples on ebay - he'd already made his money selling two bikes and lots of accessories.

Also for anyone recommending the Yam, it isn't a Harley. Harleys are different to ride. Japanese bikes all feel about the same, Harleys are different. Probably in the same way that BMWs are different.

[sensi5446]

[Ben90]

[Spamalittle]

[sensi5446]

[sensi5446]

[Albigularis]

[Spamalittle]

All well and good if you have 0% on PCP. OP's point being that he was quoted 13%.

Biggest turn off for me with PCP is having to source the lump sum at the end of your contractual period. Would likely end up with a loan to cover that anyway. That and niggling point that the bike isn't actually yours. All very well saying you can just give the bike back but this is subject to condition, exceeded mileage etc so you may still get stung with unexpected penalties. That and the whole no modifications without consent etc.

Call me precious but I like to own my bikes outright. I'll worry about my credit rating separately
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Story so far: RV125 VanVan > SV650 > Indian Scout > Triumph Thruxton, SV650 (again) & CG125

[talkToTheHat]

How the bike feels to ride or how you feel riding the brand?

Try an xv. The 80s models make harley shit themselves, the 535 was remarkably good, although i did kill mine. I love the look of the new xv. Factory luggage is a bit hipster. Were i richer i'd seriously consider how to destroy an xv950 with metal mules or similar.
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Bandit. does. everything.

[j.silvs]

I really liked the ride tbh. I can see how with a few mods that it could be a great machine.

Tbh I was going to buy it as a toy.

I always get PCP on all my vehicles just for the sheer fact of giving it back a starting over brand new. Had some nightmares with second hand in the past.

Other motorbike manufactures out there have 0%, 4% and at the most 6%... But an APR of 13%? That's ridiculous. I don't care what brand it is

[Wafer_Thin_Ham]

[j.silvs]

Haha yep!

I have had 2 of them...

As you can see I know NOTHING about mechanics, machinery etc. I just appreciate a nice bike.

I have a very wide range of bikes I like - 899, scrambler, R nineT, Iron, RCZ, sport 1000, Augusta dragster

[M.C]

Didn't you nearly buy a 899 before?

[Rogerborg]

[t121anf]