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Old 09-13-2007, 09:15 PM   #1
Nightster Ridester
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Exclamation BEST PLACE FOR MC LOANS????

Hey guys im looking to get a fairly new used 1000 cc sportbike and wondering where can i get pretty good loans? I try the local banks but alot of them have crazy interest rates and are more of a home equity loan kinda place....just womderin if there is a specific motorcycle/auto loan place or what???? HELPPP
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Old 09-13-2007, 09:31 PM   #2
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Did you try a personal/unsecured loan? It will have a higher interest rate but you'll have title in hand so you will have more flexibility on your insurance and can maybe cover the cost of the higher interest rate.

I did it with my last bike and saved a lot of money actually. Plus it makes life easy if you decide to sell since you have title in hand.
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Old 09-13-2007, 09:36 PM   #3
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capitolone you can do an app on line and get a answer in lke 30sec rates are like in the 7'sor8's it also depends on your credit score
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Old 09-13-2007, 10:41 PM   #4
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talk to patrick.....he has a company he uses for used bikes....but you gotta remember, bikes are considered to be "recreational", therefore interest rates will be higher.
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Old 09-14-2007, 12:28 AM   #5
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my bank considered it an auto loan. my intrest rate is 8.2-8.4% 4k loan ill end up paying like 4300 in the end if i dont pay it off before the 2yrs is up(and that is with my dad co-signing the loan)
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Old 09-14-2007, 01:10 AM   #6
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Credit Unions are usually a good place to try. Interest rates are outrageous for motorcycles from most sources.
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Old 09-14-2007, 01:56 AM   #7
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GE money bank will finance anyone (funancing.com) and its a credit card style program so you get title in hand as well and don't need to keep insurance on it.
their rates are outrageous but they do 1 year at 0 percent and stuff a lot but in order to qualify you have to adhere to the terms (usually you have to apply and purchase during a certain period). They normally only give you up to $5000 through that though, so for a 1000cc you'd be cutting it pretty close, and its only valid at dealers that take funancing (though it seems that most do anymore).

You could also try to qualify for suzuki/honda/yamaha whatever credit cards, most dealers will accept these towards used bikes they have. but then you'll probably be overpaying since used bikes at dealers are way too much.

this company called sparta commercial will finance just about anyone, their rates are retarded high (25% I think?) and you have to put 10% down, and you would need to give them title and keep insurance on it, and they are mostly for new or near new (within 2 years old I think) bikes. But with a rate like that you'll pay far more than its worth (like paying 15,000 for a 9000 bike).
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Old 09-14-2007, 07:03 AM   #8
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I used USAA for both my truck and my bike loans. I have my insurance through them as well.
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Old 09-14-2007, 07:50 AM   #9
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dude dont do GE money bank Ive had a horror story with them...I got my bike from stubbs on the SE side...another guy there was about to buy it so I just went with GE (Funancing) and the interest rate was 20%+, I know...ridiculous...so I go home and call my rep. at Texas Dow Employees Credit Union...and refinance it a wk later...at 6.25%...so I go to do the payoff, and GE gives me the payoff amnt. and I told them that im doing a 20 day payoff, well they forgot to tell me that another credit charge will be added by the time the payoff check gets there, so I pay another 200 out of pocket. This whole time the title still hasnt been transferred to my CU. Even AFTER I payed the full payoff amount, it took them 3 months to get the title transferred...

STAY AWAY FROM GE MONEY!!!

Go to a CU if you can.
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