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Old 12-02-2017, 06:33 PM   #1
Superpunks
 
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Best Interest Rates??

Suzuki is offering 4.99 for 60 months on 2018 V-Strom 1000, anyone know of better rates than this?

Anyone familiar with Altra Federal Credit Union located in Tyler? Good or Bad?
Found them while doing a search for best interest rates.
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Old 12-02-2017, 09:00 PM   #2
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Re: Best Interest Rates??

Yes

Buy a used VStrom for cash. If you can't do that, pass.

But I'm not your dad. Lucky you.
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Old 12-02-2017, 09:59 PM   #3
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Re: Best Interest Rates??

Good advice .
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Old 12-03-2017, 09:37 PM   #4
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Re: Best Interest Rates??

Iíve also been looking into financing options. Not for an immediate purchase...just research for the hopefully near future. From what I can tell it is pretty difficult to beat the promotional rates from the manufacturers. The game has definitely changed since the last time I financed a bike. The promotional rates arenít nearly as good, third party rates arenít as good, and not nearly as many third party lenders even offer motorcycle loans.

A dozen years or so ago I applied online with Capital One and got a blank check (of course with a pre-approved limit) in the mail two days later with a 4.9% interest rate. I never ended up actually using it, but it sure doesnít seem like anything like that exists now.

The best third party rate Iíve seen is from my credit union which is 8.5% (for a loan between $5K and $10K). I havenít done all that thorough of research so far, though. As I said...Iíve just been checking out options for the future.

Unfortunately the manufacturer Iím looking at doesnít offer their own financing, so Iíll either be saving up cash or finding another route.
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Old 12-04-2017, 08:12 AM   #5
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Re: Best Interest Rates??

I've used Freedom Road a couple times while I moved other vehicles to cover the expense.
Doubt they can get to 4.99%, though.
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Old 12-04-2017, 08:24 AM   #6
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Re: Best Interest Rates??

posted rate from Waco area

http://www.edcu.com/rates/
3.75 if I read it right
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Old 12-04-2017, 08:56 AM   #7
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Re: Best Interest Rates??

Quote:
Originally Posted by Liteitup View Post
posted rate from Waco area



http://www.edcu.com/rates/

3.75 if I read it right


Sure looks like you read it right. Thatís pretty darn good.
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Old 12-04-2017, 11:26 AM   #8
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Re: Best Interest Rates??

I just bought a new Ford Transit van and financed $10,000 at 1.99%. Aggieland Credit union in College station.
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Old 12-04-2017, 08:38 PM   #9
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Re: Best Interest Rates??

3.75 from edcu.com looks like the best deal I have seen, thanks to Liteitup for the tip!!
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Old 12-04-2017, 11:24 PM   #10
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Re: Best Interest Rates??

Credit unions usually can offer better rates.
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Old 12-06-2017, 06:16 PM   #11
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Re: Best Interest Rates??

www.ufcu.com has probably the best rates on MCs we've seen in the industry. We send tons of people their way, you do have to borrow $5k min. though. Easy to apply online, easy to join.
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Old 12-06-2017, 07:35 PM   #12
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Re: Best Interest Rates??

Quote:
Originally Posted by af1racing View Post
www.ufcu.com has probably the best rates on MCs we've seen in the industry. We send tons of people their way, you do have to borrow $5k min. though. Easy to apply online, easy to join.
Man I looked at the new Aprilia 900cc V-twins Shiver and Dorsoduro on line. Bet they got some gitty-up at about 9k. I would like to finance one of these babys.
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Old 12-07-2017, 10:55 AM   #13
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Re: Best Interest Rates??

Quote:
Originally Posted by Windmill View Post
Man I looked at the new Aprilia 900cc V-twins Shiver and Dorsoduro on line. Bet they got some gitty-up at about 9k. I would like to finance one of these babys.
got a demo of each....come ride them. Supposed to be sunny and warmer tomorrow.
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Old 12-07-2017, 12:42 PM   #14
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Re: Best Interest Rates??

Quote:
Originally Posted by tricepilot View Post
Yes Buy a used VStrom for cash. If you can't do that, pass. But I'm not your dad. Lucky you.
Excellent advice. If you have to finance an 11 Grand purchase at all, much less for five years, you likely can't afford it.

But I'm not his dad, either. In fact, I'm no one's dad. That's one of the reasons I can afford to pay cash. LOL.

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Old 12-07-2017, 03:50 PM   #15
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Re: Best Interest Rates??

I am a dad...that's why I bought a used Aprilia for cash.
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Old 12-07-2017, 08:06 PM   #16
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Re: Best Interest Rates??

Quote:
Originally Posted by af1racing View Post
got a demo of each....come ride them. Supposed to be sunny and warmer tomorrow.
I will soon. Love AF1 store
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