:?: :?: Guys I know that Kawasaki has a finance offer for 18 mo's, forgot the % rate. My question is, do they require full coverage insurance with the purchase of a new bike on the good times card? I know Yamaha doesnt as long as it doesnt exceed $10k, anybody use the Kawi finance offer? :?:

all i know is 2 of my buddies who just bought zx 10's also tryed to get financing throught them and could not. THe dealer even said he had good credit but it needs to be totally perfect and even if its good its not good enough through kawy. Went to the bank the next day and either one had no problem getting the loan with 6 percent financing. kawy is very very picky it seems.

all i know is 2 of my buddies who just bought zx 10's also tryed to get financing throught them and could not. THe dealer even said he had good credit but it needs to be totally perfect and even if its good its not good enough through kawy. Went to the bank the next day and either one had no problem getting the loan with 6 percent financing. kawy is very very picky it seems. Getting approved is no problem,, I got my new good times card yesterday and needless to say it is enough to cover the MSRP on the zx10, I WILL NOT be paying MSRP on one though. I already found a deal on a zx10 for $9549. I was just curious about the insurance deal. The bike will be payed off before 18mo's anyway to take advantage of the low low % rate. :wink:

Hmmm, went to the website where the zx10 is for $9549 and Kawi is now offering a 36 month deal with a 4.99% rate on the good times card on all 04 model bikes. Looking better all the time :P

Hmmm, went to the website where the zx10 is for $9549 and Kawi is now offering a 36 month deal with a 4.99% rate on the good times card on all 04 model bikes. Looking better all the time :P

GO FOR IT, DONT KNOW ABOUT THE INSURANCE THING THOUGH. If i were you I would get it after totalling 3 bikes i speak from experience. All due to cages, which were not my fault. Anything can happen out there dude.

Hmmm, went to the website where the zx10 is for $9549 and Kawi is now offering a 36 month deal with a 4.99% rate on the good times card on all 04 model bikes. Looking better all the time :P why not share with everyone where you found this killer deal??? ________ FRIDAY NIGHT LIGHTS ADVICE (http://www.tv-gossip.com/friday-night-lights/)

I've bought two bikes through the Goodtimes promotional deals, my 10 is the second. As long as the balance on the account is BELOW $10,000, you DO NOT have to carry any type of insurance.

u just have to qualify for the kawasaki card, i heard its the hardest to get approved for. also, if u do qualify for it, the payments will be 49 dollars a month for 36 months if u borrow under 10000 and if u borrow over that it will be like 90 dollars a month. still cheap though for 36 months

That credit is supplied through HFCI (Household Finance) I can, in no way, believe that it's hard to get.

Well I know firsthand that it is pretty hard to get....I tried it and got turned down and my credit isn't the best but it's not bad at all....bought a house, and was approved from every other bank/credit union I applied for......and yes anything under 10K you don't have to get insurance...but I would anyway :)

I used to work at a dealership. The "Good Times" card is essentially a credit card, and not a normal vehicle secured loan. As a result, you generally don't have to carry insurance to please the lender. However, at least in California, you still have to carry insurance to please the DMV/LEO types. As far as qualifying, what many people don't realize is that qualifying for a bike loan is much more difficult than a car or house. And interest rates are generally higher for a bike. The reason for this is that lenders know that you will try hard to make the payments on your house (gotta have a place to live/sleep) and on your car (basic transportation - gotta get to work). It is also typically easy to find your house if you default on the loan and the same goes for a car. When it comes to motorcycles, the lenders assume that it is a toy, and not your only mode of transportation. As such (like a boat, for instance), you may find it easier to not make your bike payment if you run into some financial difficulty. And, it's very easy to hide a motorcycle, which makes it difficult for them to find and retrieve if you default on your payments. As a result, the lenders find a motorcycle loan to be a higher risk for them. Sorry if this bored you guys; I thought it was interesting when I first learned this, as I always assumed that it woud be easier to finance a bike than a car. But, I found that lots of people have a hard time with bike finance. :oops: Last bit: the manufacturer-sponsored financing tends to be even more stringent, especially the low-interest rate deals. Better have a FICO score above 700 for those. :?

sorry about the delay, I tried to get on the forum last night but it said it had reached its limit and to come back?? BS!! well anyway I found the zx10 for $9549 on CycleTrader.com, typed in zx10r, and a place called Honda East of Toledo Ohio had the low price advertised, call:419-891-1230 ext. 20 ask for Ed. I havent done it, but good luck if you live in Ohio and are looking for a good deal on the zx10 apperently. It would be an 8 hour drive for me, so forget that! oh and I did find a local dealer here with a green one and they said my rate would be 4.9% for 36 mo's on my good times card. Easy enough, now all I have to do is swallow that bitter debt pill. I will let you guys know soon about the situation, did I or didnt I????

I prefer to use a credit card. Small minimum payments, and with the 4.9 interest rate on the one I have its pretty much a no brainer. Doubt a finance company can beat that.

Last bit: the manufacturer-sponsored financing tends to be even more stringent, especially the low-interest rate deals. Better have a FICO score above 700 for those. :? Is that for the Good Times Card in general, or for the low intrest rates?

Last bit: the manufacturer-sponsored financing tends to be even more stringent, especially the low-interest rate deals. Better have a FICO score above 700 for those. :? Is that for the Good Times Card in general, or for the low intrest rates? For the low interest rate manufacturer-sponsored deals, usually. The Good Times Card, if I remember correctly, comes with an interest rate that is determined by your credit score.

Last bit: the manufacturer-sponsored financing tends to be even more stringent, especially the low-interest rate deals. Better have a FICO score above 700 for those. :? Is that for the Good Times Card in general, or for the low intrest rates? For the low interest rate manufacturer-sponsored deals, usually. The Good Times Card, if I remember correctly, comes with an interest rate that is determined by your credit score. Cool.. My FICO is just below 700 right now. I'm gonna pay off some cards, wich should put me above 700, according to a FICO simulator. I'm just worried that if I don't get above 700, I won't get the Good Times card to finance the bike. I'd rather pay a higher intrest rate with the card, rather then being gutted by insurance. Far as I know the card is the only way to avoid full coverage. I got a speeding ticket in 2002. That caused some serious damage.

No the % rate isnt determined by your score, its usually a standard finance offer by Kawasaki and depends on whatever offer they are giving to consumers. When I applied online for mine, it said the default rate was 17%, but when I picked my zx10 up the current offer was for 4.9% for 36 mo's, so thats what my deal is on my good times card currently. It will be paid in full before the 36 mo's is up, so I am not worried about the default rate after 36 mo's. :lol: Awesome bike by the way!! :shock:

Mine also is right below 700 (655) and im 22 and couldn't get the card. grrrr :evil: Will 700 get me the deal? I will be financing under 10k also.

Mines 770 and had no prob 8) BD

Kaw Finance is $49 for 18 months. However, i dont recommend that, if you ever plan on selling 10r. You'll be so far upside DOWN.

actually its 4.99 @ 36 months as of 4-1, but your right if you only pay the min $49 per you'll never pay it off in this life time. BD

The goodtimes card is a credit card. Once the 8 months is up, the intrest rate SKYROCKETS. Unless you intend to pay it off early, do NOT do that. You can usually get a loan from a credit union in the 6-7% range. That is the way to go.

The interest rate doesn't go from 4.99 to 17.99 untill the 36 months are up. If you're still paying on it at that time you can always transfer to another card.

The goodtimes card is a credit card. Once the 8 months is up, the intrest rate SKYROCKETS. Unless you intend to pay it off early, do NOT do that. You can usually get a loan from a credit union in the 6-7% range. That is the way to go. But can you avoid full coverage insurance at a credit union? Full coverage for the ZX9R is brutal, never mind the ZX10R.

wouldn't you want full coverage? What if it gets stolen? Two big guys can throw it into a pickup and take off. It does happen.

got mine last monday on the goodtimes card. 4.9% for 36 months. $89.00 a month min. payment. full coverage ins. at $192.00 for 6 months. i love this bike...

got mine last monday on the goodtimes card. 4.9% for 36 months. $89.00 a month min. payment. full coverage ins. at $192.00 for 6 months. i love this bike... Hmmm... $192 for 6 months of full coverage insurance, 36 bikes so far. I'm guessing you're not a teenager. :wink:

Got a $49 minimum on mine, wonder why its different.

wouldn't you want full coverage? What if it gets stolen? Two big guys can throw it into a pickup and take off. It does happen. Very true, but full coverage for me is $5000 a year according to Progressive. After two years the insurance company will steal $10,000, so what's the difference. I'll buy a lojack device, and take my chances.

wouldn't you want full coverage? What if it gets stolen? Two big guys can throw it into a pickup and take off. It does happen. Very true, but full coverage for me is $5000 a year according to Progressive. After two years the insurance company will steal $10,000, so what's the difference. I'll buy a lojack device, and take my chances. Ouch!!! How old are you? I'm 34, pay $1200 CDN yearly for full coverage. ________ Ipad guide (http://ipadguides.info)

wouldn't you want full coverage? What if it gets stolen? Two big guys can throw it into a pickup and take off. It does happen. Very true, but full coverage for me is $5000 a year according to Progressive. After two years the insurance company will steal $10,000, so what's the difference. I'll buy a lojack device, and take my chances. Ouch!!! How old are you? I'm 34, pay $1200 CDN yearly for full coverage. I'm 34 living in a city, with 1 speeding ticket 04/2002.

wouldn't you want full coverage? What if it gets stolen? Two big guys can throw it into a pickup and take off. It does happen. Very true, but full coverage for me is $5000 a year according to Progressive. After two years the insurance company will steal $10,000, so what's the difference. I'll buy a lojack device, and take my chances. Ouch!!! How old are you? I'm 34, pay $1200 CDN yearly for full coverage. I'm 34 living in a city, with 1 speeding ticket 04/2002. i am 20 with a crash in 5/03 and i pay around 75/mo on my 10 and it is full coverage. dont go through progressive they wanted 14000 for my ducati which i am paying around 700/year for. i recommand AAA or state farm

Yah SP8, sounds like you are getting rode hard and put away wet. ________ THE CIGAR BOSS (http://thecigarboss.com/)

got mine last monday on the goodtimes card. 4.9% for 36 months. $89.00 a month min. payment. full coverage ins. at $192.00 for 6 months. i love this bike... Hmmm... $192 for 6 months of full coverage insurance, 36 bikes so far. I'm guessing you're not a teenager. :wink: i think i was a teenager once, i have a hard time remembering back that far. lets just say i became an official senior citizen last november but i can still wear out a set of knee pucks at the track with the young ones.. 8)

Progressive really does suck. Last time I tried to get with State Farm, they would not touch me, due to my speeding ticket. I was trying to get my truck insured. Maybe I'll try again. I hear they are the best for bikes. Even without a speeding ticket it's $4,500 a year with progressive. That's more than the bike in three years. If I can't get the goodtimes card, or reasonable full coverage insurance, I'll buy the bike with the extra money I'll get from my mortgage refinance at the end of June. I just paid off my credit cards today. I hoping that will raise my FICO to about 707. I just bought a 42 inch TV on a Best Buy card with 18 months 0% intrest. I'm gonna have to pay that off early also. One thing that may be in my favour is that the goodtimes card is with Household. That's the mortgage company I'm using for my condo.

You have to show full coverage insurance if over $10,000. Just bought mine on my Kawi card. 36 months/ 4.99%

got mine last monday on the goodtimes card. 4.9% for 36 months. $89.00 a month min. payment. full coverage ins. at $192.00 for 6 months. i love this bike... What insurance company. I live in Florida and for full coverage thats a good price :)

Got my 10R on April 9th and went with the 36 Months 4.99% APR. They also offer 6 months no interest, however after that six months the rate is crazy high.