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MX, SX & Off-Road Discussions
General Moto | Off-Topic Posts
financing prices plus more?
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[QUOTE="biglou, post: 145694"] Sorry to hear about the credit thing. A shop should give you exactly what the Kelly Blue Book or the NADA book says is the trade-in value for your bike. If not, go to another shop. That is providing, of course, that the bike is well maintained and in good shape. Having it as clean as possible doesn't hurt, either. If you have a bank account somewhere, they should be willing to give you a loan. A bank will most always be a better choice than a dealer finance as far as interest rates go. That's why I chose to go with my little, one-branch bank. When I call them, a real live person answers the phone, not some computerized machine. If you finance through the dealer, tell them that you would like $500-600 cash for your bike and to put the rest of its value down on the new one. This will give you the money to take care of all the registering and insurance costs. Just keep in mind that this will increase the amount that you will have to finance. The dealer may also be able to add the sales tax in with the finance amount. Bottom line is, it will be less cash money you will have to have up front, but it will be more that you will have to finance. Before you sign any loan papers, either from your bank or from the dealer, you should know almost exactly what your monthly payment will be. Once it's all said and done, you'll have your payment book and you will know exactly what you need to pay each month and you will get into a routine. Just don't forget the anual expenses that will come up such as property tax and insurance. You'll have to budget for those so you are prepared to pay them. This is a great way to build credit for yourself, but don't let it go sour or it can haunt you for quite a while. Educate yourself, make sure you are well informed before you make any decisions and this will be a great learning experience for you. And of course, there is the thrill of owning that brand new bike! :cool: Trust me, you never get over that no matter what your age!:D [/QUOTE]
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MX, SX & Off-Road Discussions
General Moto | Off-Topic Posts
financing prices plus more?
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