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So yea, thinking about parking the FD for winter and getting a bike to ride till next spring (yes I have a truck too for snow).
Now I want to get it soon before it gets too cold, but I don't really want to finance a 7500 dollar brand new bike or anything. Is there anyway I can finance a used bike ? Meh so many options Im getting a YZF 600 though |
sounds like a good idea to plan on riding a motorcycle in the winter in nj. you can probably finance anything if you have good credit. just wont be able to finance anything for more than its worth, and then youll have to have full coverage. if you have good enough credit, which at your age you probably dont, parents that will cosign, or some collateral, you could probably just get a personal loan for the bike and then you wont have to have full coverage
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i thought you wanted a skyline
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Your payments would probably be lower on a new bike than a used bike. I was told (by banks) that they wouldn't finance a used bike because they aren't worth hardly anything to the bank if you don't pay, like too low collateral. If they did finance it, it'd probably be for a short time at a high rate.
My bike had a sticker of $5,999, I got a 4 year loan, and paid it off in 2 years. Before I paid it off, I think my monthly payments were like $140. I don't remember what the interest rate was. It's not hard to call each bank and credit union and talk to them about interest rates and such. Get the info on the bike you want, and start calling around. |
you can't always get what you want
good point about the full coverage thing too |
I'm heavily into the M/C industry(its my job) and a guy your age financing a bike is not a good time. When I bought my first street bike 7 years ago(18yrs old), when I did FINALLY find a bank that would finance an 18 year old with a cosigner, my interest rates from the crdit union were 14%. Teh full cov. ins. that you HAVE to get with financing was 350 a month(again, 7 years ago) and that was with a flawless driving history and with an insurance company/agent that has been in the family for like 40 years. Good luck with your purchase but I suggest you save up, find a bike you can buy outright, and pay liability only. And wear a helmet
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Don't forget about the range rover before that, why do we even humour him?
Mark |
Originally Posted by RE87FC' post='761111' date='Sep 21 2005, 04:28 PM
I'm heavily into the M/C industry(its my job) and a guy your age financing a bike is not a good time. When I bought my first street bike 7 years ago(18yrs old), when I did FINALLY find a bank that would finance an 18 year old with a cosigner, my interest rates from the crdit union were 14%. Teh full cov. ins. that you HAVE to get with financing was 350 a month(again, 7 years ago) and that was with a flawless driving history and with an insurance company/agent that has been in the family for like 40 years. Good luck with your purchase but I suggest you save up, find a bike you can buy outright, and pay liability only. And wear a helmet good point. Looks like Ill just save up the extra few hundred I need and buy one outright. I wanted to do it so I could build up some credit but Im not paying that much if I already have the cash for used one |
Dude, you keep wanting **** that depreciates. Insurance on a bike at your age would RAPE YOU!! And getting liability on something that is somewhat brand new, is not really smart.
Dude, just rock the bronco for the winter, pull the FD out in the nice weather, save your money and buy a home!! |
Originally Posted by rowtareh' post='761134' date='Sep 21 2005, 05:39 PM
Dude, you keep wanting **** that depreciates. Insurance on a bike at your age would RAPE YOU!! And getting liability on something that is somewhat brand new, is not really smart. Dude, just rock the bronco for the winter, pull the FD out in the nice weather, save your money and buy a home!! insurance on a used bike is 455 dollars a year, got quoted for it already. |
Must be nice. And I wonder how people get in such bad credit debt.
- Hand |
My advice would be to buy used. I bought a new bike once and will never do so again. Of course this only works if you don't want the latest and greatest.
I just picked up an '88 GSX-R750 for $500. Of course it needs a little work, but it's 95% all there. I will be riding it in a week or so. Oil cooler the size of a radiator, I love it. Hmm, oil cooling dependant. Does this remind you of another engine? If this will be your first bike then when you drop it you won't feel so bad. Not to mention it'll not cost you nearly as much to put back together. Cheers |
my advice is stop talking stupid about using a bike in the winter
you have no clue- the leaves and salt left on the roads even after the snow melts making riding a bike hazordous, never mind the COLD affecting both you the rider and the tires on the bike , throw some black ice and frost in the picture and maybe they you will get a clue. around here most people get 6 month bike insurance for a reason- you stop riding in Ocotober or so and dont bother insuring or riding it until the street sweepers do thier thing at the end of April |
Bikes are a fast and inexpensive way to kill yourself quicker.
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I woudln't ride when the temps are below freezing the night before, but nor would I drive the RX7 either. I'd keep the bike on insurnace all year because its so fuggin cheap where as the FD is 2k a year so thats why I do 6 month insurance on that
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freezing doesent have much to do with it. do you know how much crap is on the roads during the winter? hitting salt is not fun on a sportbike.
sportbike tires NEED to be warm to stick. In the summer they will cool down literally if you sit at a stoplight. No traction = you in a tree. Think about how fast they will cool when its 40 deg. |
you only read temps and seemed to miss the rest of the post, the roads here get SANDED AND SALTED AND DONT GET CLEANED UNTIL THE SPRING
if you have a truck for the snow, drive it all winter and park the car |
but i will say, bike prices are WAY lower in the winter
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Originally Posted by G2G' post='761143' date='Sep 22 2005, 07:11 AM
Must be nice. And I wonder how people get in such bad credit debt. - Hand We have Hateful EX-Wives. |
dont worry, by the weekend he will have another serious post about buying something else
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Originally Posted by rfreeman27' post='761222
(Post 668980)
you only read temps and seemed to miss the rest of the post, the roads here get SANDED AND SALTED AND DONT GET CLEANED UNTIL THE SPRING
if you have a truck for the snow, drive it all winter and park the car I'm doing that as well as getting a bike
Originally Posted by rfreeman27' post='761225' date='Sep 21 2005, 10:03 PM
but i will say, bike prices are WAY lower in the winter exactly. |
you wont get a bike, if you do it will be about the same as you getting a Range Rover and ending up with a 1980 Bronco
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Originally Posted by Rob x-7' post='761243' date='Sep 21 2005, 10:22 PM
you wont get a bike, if you do it will be about the same as you getting a Range Rover and ending up with a 1980 Bronco 88 bronco thanks, and it was free for me |
I thought it was $1200?
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Originally Posted by Rob x-7' post='761246' date='Sep 21 2005, 10:27 PM
I thought it was $1200? https://www.nopistons.com/forums/pub...DIR#>/wink.png |
so your saying you never paid your uncle?
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dude kid.... how much moneydo your parents give you? i wish i was spoiled as ****
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Originally Posted by CletusFD3S' post='761269' date='Sep 21 2005, 11:01 PM
dude kid.... how much moneydo your parents give you? i wish i was spoiled as **** no money? I don't live with my mom and my dad works swing shifts so I end up buying myself dinner, well going to the supermarket most of the nights out of the week. What else do you have to pay for? I bought my car with my own money I made from the moving company and sears over the course of two years. |
Originally Posted by nopistons94' post='761293' date='Sep 21 2005, 11:45 PM
What else do you have to pay for? Rent, water, power, cable, phone, car insurance, car tax, health insurance, taxes, tuition. Be lucky that you only have to pay what you have. Honestly it wouldn't hurt to think about the future and invest that money instead of buying a bike that you won't be able to ride around until spring. The only reason I would consider buying a bike right now is gas prices. And even then, I wouldn't buy a new bike, I'd buy a used one that's in good condition. Hope you have a job that isn't in question so you can afford all this skyline, bike, ranger stuff. - Hand |
So, nobody has anything to say about my new bike? Why do I even bother?
Yah, well screw you too.:dbanana |
Yeah, just cold air isn't an issue on the bike. Well, not around here anyways. I think the coldest I drove was around 25F, but no snow or salt or any of that.
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Nice bike HeffSpooled. That things much ass.
Anyhow, invest money into real estate. |
does anyone else get tired of rotawreh suggesting that people buy real estate or a house when they say theyre going to buy anything?
rotawreh, if you really felt that way you wouldnt be driving around in a brand new wrangler and buying an fb. sounds like out of those two purchases you have about 20k that you could be investing in real estate while still driving a pretty nice car. or maybe, just sell the jeep and then get the fb and put all of the money from the jeep into a house if you really think its that important to do that |
if your gonna buy a bike..wait till jan or feb when it starts to snow..price will be cheap...but DON"T drive it in the winter...come on..you live in jersey...you knwo how the raods are...they're dangerous enough without adding into effect the road conditions.
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Originally Posted by Shane.Trammell' post='761451' date='Sep 22 2005, 01:23 PM
does anyone else get tired of rotawreh suggesting that people buy real estate or a house when they say theyre going to buy anything? rotawreh, if you really felt that way you wouldnt be driving around in a brand new wrangler and buying an fb. sounds like out of those two purchases you have about 20k that you could be investing in real estate while still driving a pretty nice car. or maybe, just sell the jeep and then get the fb and put all of the money from the jeep into a house if you really think its that important to do that he got some sky high interest rate loan because he works at the dealer and he is trying to scrounge up a few bucks for a FB https://www.nopistons.com/forums/pub...1047683561.gif get your facts straight! https://www.nopistons.com/forums/pub...1047683329.gif I am a firm believer in living out your youth but there is no reason to post everytime someone gets a new idea in thier head about what to buy "A serious thread about what to get for lunch tomoroww" "A serious thread about how to go about hiring someone to fix my driveway" |
Originally Posted by Rob x-7' post='761593' date='Sep 22 2005, 07:26 PM
"A serious thread about what to get for lunch tomoroww" "A serious thread about how to go about hiring someone to fix my driveway" rueben mexican in any order |
damn rob, the whole serious thread thing is a ******* joke ! gawd
I found a blue YZF-600r that im going to pick up in a few weeks. Its my friends now but he's getting rid of it to me for a good price once oct-nov rolls around. yay now ill have two death machines sitting next to eachother in my garage !! oh nice sig drftkid haha |
Ok here's some advice since i have owned bikes most of my driving life and even rode in seattle in the winter.
1) u dont wanna ride in the winter, it sucks and only broke ass fucks like me that spent all their money on booze should ride in the winter. I froze my ass off and the last winder ride I did was when I had to stop for gas on the way home from work, got in the 2 way turn lane, hit the brakes and the bike didnt slow down at all. 2) don't buy too much bike 3) take a safety course 4) and this really answers your questions as to "how". Find the bike u want, go to the bank, get something called a "money order" take this to the person selling the bike, he will give you the keys and something called a "title", take that to the DMV with more money, wait in line. |
Originally Posted by phinsup' post='761726' date='Sep 22 2005, 11:20 PM
Ok here's some advice since i have owned bikes most of my driving life and even rode in seattle in the winter. 1) u dont wanna ride in the winter, it sucks and only broke ass fucks like me that spent all their money on booze should ride in the winter. I froze my ass off and the last winder ride I did was when I had to stop for gas on the way home from work, got in the 2 way turn lane, hit the brakes and the bike didnt slow down at all. 2) don't buy too much bike 3) take a safety course 4) and this really answers your questions as to "how". Find the bike u want, go to the bank, get something called a "money order" take this to the person selling the bike, he will give you the keys and something called a "title", take that to the DMV with more money, wait in line. im not riding it in winter asses !!! im juust getting it when its cheaper loll !! drionlky |
Originally Posted by nopistons94' post='761741' date='Sep 22 2005, 11:42 PM
im not riding it in winter asses !!! im juust getting it when its cheaper loll !! drionlky well **** i didnt read the whole topic, jesus there's too pages like i got that kind of time on my hands.... oh wait. |
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