I was wondering when you purchase a new bike like the 250r for example (since that is what I'm probably getting) how much is it normally is it high like 15-19% or is it usually only 5-9% I really need to know this so I can calculate my payments. I'm only going to be putting 500 dollars down. Thanks for the help also does anyone think the 250r is too small for me I weigh 250 lbs and would like to take my girlfriend or sister out for rides eventually and travel to work 45-60 minute commute.... with that being said I can't decide between the 250r or 650r for my FIRST bike. Thanks! ~~Caseman~~

 

Hey, It's hard to say exactly what you'll get for financing - I depends a bit on your dealer and also on Kawasaki and on the length of the loan. At this point (if you're planning on buying new) you're not going to get a 2008 250r so you'll be going for the 2009 250r when they come out. The MSRP on these is now 4k and you'll likely be able to get between 6-9%. Here is a link where you could try some hypothetical math and try to figure out your payments: http://www.kawasaki.com/Products/Det...ontent=payment.

I don't have my 09 250 yet so I wont try to comment on the size of the bike and it's weight capacity.

 

yea that's where I've been trying to configure the payments, but I don't know the interest rates as that can play a big enough role in price change. The problem I have with the 2009 250r is that NO GREEN .... I really want a green bike lol I am also thinking instead of the 250 to get the 650 but this would be my first bike... I want to keep the bike for a very long time maybe till it dies ... so really what is your input on what I just typed?

 

I'll give you my 2cents though I'm new to the bike world as well.

As for 250 or 650 I would check out the difference in insurance cost and see if that makes enough of a difference for you. The re-sale on the 250 is good (which is my plan if I decide I've outgrown it and want to go bigger). Personally I don't like the green so that doesnt bother me but you're not likely to find a green 08 at this point.

I do wonder though how worried can you be about payments since if you go to the 650 you're going to be looking at quite a bit higher payment due to the $2500 higher price.

I wish I could give you exact stats on the interest rate but it really does vary between dealerships and what Kawasaki offers for that perticular bike.

 

yea there is more reason for me to go for the 250 instead.. I personally also like knowing how much gas I have in the tank I know that's not a big must, but for me starting out it's easier to learn how long I can last with the tank... Also I guess the color doesn't really really matter it is just a color :/ I do like black for second favorite and blue is okay.. so I could just go with a 09 black 250r. I like the gas mileage on 250... I wanna keep it for at least 2 years before trading it in or selling it though. We'll see but thanks for the input it's very helpful

 

Hey case man good luck with your purchase

and I would like to WELCOME the both of you Caseman and 09Ninja rider to KF!!!

 

Where did you get info on what colors will be available?

 

It was in a fax that was sent to the Kawsaki dealers by the Kawasaki company. It explained that there would be no more 2008s - that each dealer that had 2008s on order would be getting 1 2009 in late August. It also said that they colors would only be Red, Black, or Blue. Here is a link to a copy of the fax sent to the dealers.

http://www.2fiddy.com/wp-content/upl...a-2009-doc.jpg

 

Be VERY weary of financing. If possible, if you must finance, try to put down as large a down payment as possible. Many places advertise a relatively low APR, but read the fine print. A lot of times, this APR is based around factors such as your current credit rating. If a person is relatively young and has little credit history, his/her APR can end up being quite high. If a younger person has no credit history, he/she may not qualify for financing at all. I have seen credit offers at 7.9%, but a quick look at the fine print reveals a jump to over 20% after a specified time period.

Long story short, financing can get you in trouble fast. What seems like a "little monthly payment", could end up causing you to spend quite a bit more money for a product than you think. There is a reason credit companies like it when you have a credit balance...do not ever forget that. The best thing to do if you do have to finance, is make monthly payments larger than what is your minimum payment. Doing so will help to pay off the interest and principle a lot quicker so the interest does not kill you.

Last piece of advice, if you ever see a deal for "No payments and no interest for *insert time frame here*!", ignore it. You many not be paying interest, but interest sure as heck is accruing....and you WILL pay for it. If you do sign up and one of these "deals" is present, make monthly payments anyways. Trust me.....you will thank me later.

Sorry for my speech, I hope it helps out though.

 

it does thankyou!