Kawasaki Card vs. Personal credit card - Page 2

azoomm · 08-06-2008, 02:22 PM

Quote:

Originally Posted by Cutty72

I disagree with the first part, as I have financed every bike i've owned.
Does it cost a little more in the end? yes.
Does it pay for itself with the smiles over the miles? IMO yes.
And I'm quite sure that even with the shitty mileage that my savings in gas riding the 1125 over driving my pickup is more than my interest.

I do agree on the insurance though.

I know, I come off as harsh, I usually do. But, *toy* by definition: something that serves for or as if for diversion, rather than for serious practical use. Fun, yes. Love them, hell yes. Practical, usually really not.

It's all in what it is worth to you. Many choose the cost as an item worth it... as a trade off. That's fine. It's just my opinion, I'm not going into debt for something I want ever again.

r!der · 08-06-2008, 04:57 PM

I think it's ok to finance as long as you pay it off quick before the introductory rate ends. You'll only do this by sending in 700 to 1K payments per month. Problem is, most people don't. They say, "OH WOW! I can get this shiny new bike and only pay $39 a month?!?! WHERE DO I SIGN?!?!" LOL

Phenix_Rider · 08-06-2008, 07:25 PM

Quote:

Originally Posted by azoomm

I know, I come off as harsh, I usually do. But, *toy* by definition: something that serves for or as if for diversion, rather than for serious practical use. Fun, yes. Love them, hell yes. Practical, usually really not.

It's all in what it is worth to you. Many choose the cost as an item worth it... as a trade off. That's fine. It's just my opinion, I'm not going into debt for something I want ever again.

Don't know about you, but I commute on two wheels. Serious transportation that's also a hell of a lot of fun. I won't finance anything I want either- I already pay way too much for school loans, and at some point I'm sure I'll have to finance a house.

azoomm · 08-06-2008, 07:30 PM

Quote:

Originally Posted by Phenix_Rider

Don't know about you, but I commute on two wheels. Serious transportation that's also a hell of a lot of fun. I won't finance anything I want either- I already pay way too much for school loans, and at some point I'm sure I'll have to finance a house.

My commute and work are both all about two wheels

I know a few people that I see as an exception, they are two-wheeled only. As in, it's not an option for them... they ONLY ride. But, even in their cases, they didn't finance.

Look, it is easy to get sucked into living on credit. I just wish more people were smart about it. It doesn't mean all credit is bad, it's that there are too many bad options out there. Hell, I improved my credit by getting a personal loan and buying a bike with it - then paid it off early. But, I wouldn't ever finance through the dealer or one of the bonus manuf. cards.

comonboys · 08-14-2008, 08:23 PM

Quote:

Originally Posted by Phenix_Rider

Don't know about you, but I commute on two wheels. Serious transportation that's also a hell of a lot of fun. I won't finance anything I want either- I already pay way too much for school loans, and at some point I'm sure I'll have to finance a house.

I agree, commuting on the bike saves me easily $500 a year. Granted it rains all the damn time and we can only ride 5 months out of the year. That $500 is worth the "investment" to me.

Mr Lefty · 08-05-2008, 09:01 PM

Quote:

Originally Posted by azoomm

I wouldn't EVER, Never NEVER EVER buy a bike on a loan or credit of any sort, from anywhere. Motorcycles are big toys, and toys shouldn't be financed. That is for this economy and others.

The ONLY reason to go without full coverage is if you have enough in your pocket to get it back to condition if something happens. In fact, I usually recommend you get a good agent with gap insurance and a medical rider on the policy.

Keep an open mind.

Congrats, and welcome to the forum.

My bike wasn't purchased as a toy... it's a vehicle to me... a vehicle I enjoy... but a vehicle none the less...

once I get a track only bike... that'll be a toy.

comonboys · 08-05-2008, 11:36 PM

Quote:

Originally Posted by Ebbs15

My bike wasn't purchased as a toy... it's a vehicle to me... a vehicle I enjoy... but a vehicle none the less...

once I get a track only bike... that'll be a toy.

i agree with you. My bike was for fun. But it's also for day to day usage. So it's an investment for me. So having financing it is an option.... However my bike would not become a track one. i will have another bike that i barely paid anything for that I could drop when the time comes.

Mr Lefty · 08-05-2008, 11:40 PM

actually your SV would be a perfect track bike though... HUGE track aftermarket... and tons of parts available for repair.

comonboys · 08-06-2008, 12:05 AM

Quote:

Originally Posted by Ebbs15

actually your SV would be a perfect track bike though... HUGE track aftermarket... and tons of parts available for repair.

Yeah, but I realllllllllllllllllllyyyyyyyyyyyyyyyyy like my bike. So I would have to find another for an everyday rider then.

08-06-2008, 04:57 PM	#2
r!der snowboarder Join Date: Feb 2008 Location: CAL-E-PHONE-YA Moto: 05 GSXR 600 Posts: 259	I think it's ok to finance as long as you pay it off quick before the introductory rate ends. You'll only do this by sending in 700 to 1K payments per month. Problem is, most people don't. They say, "OH WOW! I can get this shiny new bike and only pay $39 a month?!?! WHERE DO I SIGN?!?!" LOL __________________

08-05-2008, 11:40 PM	#8
Mr Lefty TWFix Legend Join Date: Feb 2008 Location: Denver CO Moto: 01 BMW F650GS Dakar Posts: 15,677	actually your SV would be a perfect track bike though... HUGE track aftermarket... and tons of parts available for repair.