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Old 04-30-2012, 04:18 AM   #1 (permalink)
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Motorcycle Financing

Where is the best place to get financing for a cruiser style motorcyle? Low 700 credit score but the only thing in my wife has in her name has ever been was a credit card that i've had for about 1 year. Trying to get me a toy and get her credit started up also.
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Old 04-30-2012, 05:21 AM   #2 (permalink)
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Probably the easiest would be through the manufacturer of said motorcycle, they all have financing. I've noticed a ton of commercials touting "get out and ride" type incentives that are going on right now though they are probably dependent on your credit score. Not sure what the banks/credit unions have going on, you just have to shop around.
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Old 04-30-2012, 05:27 AM   #3 (permalink)
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Motorcycle Financing

I'd use my credit union/bank unless I planned on paying it off in a year or so.(before the special offer ends) Typically they hold better rates.
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Old 04-30-2012, 05:48 AM   #4 (permalink)
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The lowest my credit union interest rate is 7%. Yamaha has 3.99 for 3 years right now. I would pay it off before them 3 years was up so that may be the way we end up going.
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Old 05-01-2012, 06:31 PM   #5 (permalink)
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pay on it for at least 1 year. if you pay it off too early it dings your credit for some reason
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Old 05-02-2012, 09:06 PM   #6 (permalink)
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Where is the best place to get financing for a cruiser style motorcyle? Low 700 credit score but the only thing in my wife has in her name has ever been was a credit card that i've had for about 1 year. Trying to get me a toy and get her credit started up also.
How far away are you from Knox county? Check out knoxville TVA employees cu. You don't have to work for TVA to join, but I think you have to live in certain county's to join. I picked up a new hd street glide in maryville yesterday and got 1.79% for 60 months.
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Old 05-03-2012, 10:21 AM   #7 (permalink)
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pay on it for at least 1 year. if you pay it off too early it dings your credit for some reason
Yeah i've did that on several vehicles and personal loans and banks have told me this.

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How far away are you from Knox county? Check out knoxville TVA employees cu. You don't have to work for TVA to join, but I think you have to live in certain county's to join. I picked up a new hd street glide in maryville yesterday and got 1.79% for 60 months.
I'm about 45 mins to an hour away from Knoxville. You pick it up at smokey mountain?
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Old 05-03-2012, 10:25 AM   #8 (permalink)
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Suzuki has 0% for 60 through Sheffield. One of my favorites to work with on the OEM side.

If you go with the 3.99 Yamaha, ask to go through GE for the 3.99 INSTALLMENT loan. Tons of folks have the best intent to pay off the revolving card early and it bites them in the ass.

The 3.99 payment they print on your statement will not pay off the loan in 3 years and if you have a slow month it is easy to just pay the minimum and catch up later.

The revolving cards are gambling that you lose that bet.
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Old 05-03-2012, 10:31 AM   #9 (permalink)
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I'll check into them as well. I can't join TVA FCU because I don't live in one of their counties that they support.
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Old 05-03-2012, 06:20 PM   #10 (permalink)
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Yeah, I got it from smokey mtn. I live in Chattanooga now but the salesman at the dealership 5 miles from my house was pretty arrogant. That along with being $2k cheaper convinced me to drive the 80 miles to get a bike. Did tvafcu flat out say you could not be a member? Their website says if you live, work or attend church in any of the listed county's you can become a member. Are they going to call the pastor to double check if you are there every Sunday?

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Old 05-03-2012, 09:47 PM   #11 (permalink)
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Yeah, I got it from smokey mtn. I live in Chattanooga now but the salesman at the dealership 5 miles from my house was pretty arrogant. That along with being $2k cheaper convinced me to drive the 80 miles to get a bike. Did tvafcu flat out say you could not be a member? Their website says if you live, work or attend church in any of the listed county's you can become a member. Are they going to call the pastor to double check if you are there every Sunday?
I've heard good things about Smoky Mtn. I doubt they will call the preacher to check but with my luck they would
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Old 05-29-2012, 07:49 PM   #12 (permalink)
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Ended up buying a 2012 Yamaha stryker.
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