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post #1 of 136 Old June 12th, 2011, 02:50 PM Thread Starter
 
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What are your payments like?

Hello all! I don't mean to come off as nosey lol, but I was curious if any of you would like to share what your new 900xp's are costing you per month, and what kind of loan you have, and for how long. I saw a thread in the "S" forum a while back about what people were paying for those, so I'm curious about the XPs, before I waste my time talking to my dealership. I'm looking into buying a new RZR, and I would really love to buy a new XP, but I may have to stick with a standard, or S at the most. A few people I've talked to said anywhere from 280-380 per month....300 or so I could handle, 380 would be pushing it as far as a toy payment. And I really have no idea because I've never financed one of these? Any help would be appreciated!

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post #2 of 136 Old June 12th, 2011, 03:48 PM
 
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Re: What are your payments like?

Coming from a mach 1 owner. I pick mine up tomorrow at 336 with life insurance and $1000 payback gap for 60 months. The gap not only pays the difference if there is any but gives me $1000 if the bike gets totaled. $16700 purchase price with 5 year popo warranty otd.
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post #3 of 136 Old June 12th, 2011, 04:29 PM
 
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Re: What are your payments like?

I am not being nasty but if you have to finance your fun you don't need to have fun. It is very simple put your money in the bank until you have enough to pay cash for it. Ya it will take some time to save $16,000.00 at $380.00 per month but the rewards are worth it and then every thime you have some extra cash stash it. Those with the cash has the power. Why pay someone all that money for financing your fun. Doesn't make sense necessities I under stand toys I don't.
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post #4 of 136 Old June 12th, 2011, 04:45 PM
 
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Re: What are your payments like?

hey Dilledille that was nasty I don't think the question was... Can anyone give me financial advice. I'd bet at least 50% of the people who own rzr's have them financed and that's their choice. Everyone has their own reasons but next time mind your own.

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post #5 of 136 Old June 12th, 2011, 04:54 PM
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Re: What are your payments like?

dont forget to budget in for spare belts and stuff that isn't covered under warranty.
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post #6 of 136 Old June 12th, 2011, 04:55 PM
 
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Re: What are your payments like?

the rzr is the cheap part, the aftermarket and fun is what kills you.
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post #7 of 136 Old June 12th, 2011, 05:03 PM Thread Starter
 
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Re: What are your payments like?

...

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Last edited by faster346; June 17th, 2011 at 04:04 PM.
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post #8 of 136 Old June 12th, 2011, 05:08 PM
 
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Re: What are your payments like?

Quote:
Originally Posted by faster346 View Post
Hello all! I don't mean to come off as nosey lol, but I was curious if any of you would like to share what your new 900xp's are costing you per month, and what kind of loan you have, and for how long. I saw a thread in the "S" forum a while back about what people were paying for those, so I'm curious about the XPs, before I waste my time talking to my dealership. I'm looking into buying a new RZR, and I would really love to buy a new XP, but I may have to stick with a standard, or S at the most. A few people I've talked to said anywhere from 280-380 per month....300 or so I could handle, 380 would be pushing it as far as a toy payment. And I really have no idea because I've never financed one of these? Any help would be appreciated!
$ 0.00
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post #9 of 136 Old June 12th, 2011, 05:36 PM
 
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Re: What are your payments like?

if we (the broke public) didnt finance our toys what do you think would happen to the economy, i financed and pay 315 a month. i have no problem with doing it and i deserve it. i finance my home, my truck, my wifes car. if you can why not.for those fortunate enough to pay cash ,GOOD FOR YOU. but some of us live in the real world.and fun sometimes comes with a payment. to say we shouldnt because we cant just pay cash is completely idiotic, .TONY
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post #10 of 136 Old June 12th, 2011, 05:36 PM
 
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I was wondering the same. Heck it's a better deal to buy new vs. Used for the lower interest rate.

I'm looking at $280 at 48months


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post #11 of 136 Old June 12th, 2011, 05:45 PM
 
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Re: What are your payments like?

So far I have made 2 payments so far.
1.-$5000.00
2.-$2,500.00
I need to get it paid off in 6 months or the interest starts.

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post #12 of 136 Old June 12th, 2011, 06:21 PM Thread Starter
 
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Re: What are your payments like?

I was thinking about putting like 2,000 down. Not sure how much that would help my payments, or if it would be even worth it.

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post #13 of 136 Old June 12th, 2011, 06:37 PM
 
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Re: What are your payments like?

Approx. $40 for 60 months.
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post #14 of 136 Old June 12th, 2011, 06:46 PM
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Re: What are your payments like?

I found that credit unions tended to have the best interest rates and longer terms if you wanted to go that route. Definately make sure to get gap coverage in your loan and shop for insurance. I found that in Ca, Allstate was the cheapest insurance for me at $304 a year with $0 deductible, 300k comp/500k col and 5k in addons.
The cost of the monthly addons is whats killing me. All these extra parts I want add up really fast. If you end up getting an XP, plan on purchasing new tires and 5pt harnesses asap. Some have gotten the dealer to swap out the stock ITP tires for Bighorns. The stock ITP tires are horrible and the machine is fast enough that is should have come with 4-5pt harnesses stock. Good luck with your purchase and if you can get an xp, it really is worth the difference in price.

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post #15 of 136 Old June 12th, 2011, 06:52 PM
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Re: What are your payments like?

Give or take here....

But for every $1000 down payment you look to lower your monthly payment between $15 to $30 at that price point. Kinda not worth it really.

I'd bet most people who finance these things put about $5K on average down to have a loan payment between $10k to $12k and pay about $300 to $350 a month for up to 5 years.... with approved credit bla bla bla....
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