$2000 down then $240 a month for 5 years? Or am I paying too much? Im in south florida.

* Last updated by: desibaba on 2/22/2015 @ 12:08 PM *

Sounds about right to me.

Doesn't sound bad. You'd have to list the terms of the loan and the amount being financed to really know for sure. If it's just the bike, and you're paying around 15k for it, I'd guess your loan rate is around 8-9%. I don't know what hte current market rates are, but that's not great but also not horrible.

I say go for it and enjoy one of the best and most fun street bikes on the road today!

The thing is its so easy to find out the invoice price of a car by going to truecar.com etc. There is no resource like that for motorcycles so you have no idea how much they have room to budge on a bike.

I'd say you're gonna pay too much.5 years at 240 a month?...14,400.Add 2K.Plus finance charges.Too much.Why not get a 2014 instead?Same bike.2015 zx?14,999.

* Last updated by: Grn14 on 2/23/2015 @ 2:14 AM *

First of all it's your money, so ultimately you choose how to spend it. But you asked...

I strongly urge you NOT to use credit to purchase a motorcycle. It's almost always a bad deal and the #1 reason is that the moment you take delivery, you are "under water" on this in spite of your $2000 down payment. By under water I mean that your unpaid loan balance is MORE than you could get for the bike should you need to sell it. With a 60 month loan you are probably going to be under water for at least 36, perhaps as much as 48 months of the loan.

I'm a proponent of shopping for and buying used motorcycles with cash. That way someone else has already "paid" for the steep initial depreciation and you are benefiting from that! With ZX-14's and similar bikes it seems like a lot of folks buy them and then just don't ride them for various reasons.

Do you really have to have a 2015? Perhaps you've fallen for one and I get that. But don't make a bad choice based on emotional connection with it. Would a 2014 or 2013, which are almost identical, be that bad? I'll get you can find a really nice used one with low miles in as-new condition for $10,000 or less.

Just my take on this. But whatever you do, I'm sure you'll love your ZX-14.

Look at the 2012 for sale on this site 8 grand for that bike is a great deal for you. I am checking on shipping to MN today so hurry up..

Yep like stated, there are better deals out there if you're willing to look. I picked up my 2013 in feb 2014 for $11,200 OTD. It had 62 miles on it. Yes I am the 2nd owner, but the first owner had it for 2 days and traded it in claiming it was to much bike for him. I put 4k down and financed the rest.

There's a lot of good suggestions for things to consider. But remember what these guys who are saying "buy used" all their bikes started new...someone has to buy them new otherwise there'd be no reason to make any more!

So buy new, buy used, it doesn't matter to me. What matters to me is that you understand your decision and are prepared if things change, are aware of the risks associated with new vs used. With a new bike, you will know all of how it's been cared for. With a used one most of the time people lose the owner's manuals and tool kit let alone actually having service records. So they all have risks, but of course we all know buying used generally saves money. If you plan to keep the biek for a few years, buying new makes a lot of sense as long as you know you'll keep it, ride it, and maintain it.

Brand new 2014 ZX14R in Rockingham, NC for $11,498 out the door. This is where I bought my '13 white one last year for the exact same price. No haggle, no dickin' around, no salesmanship. Now I paid cash, so I have no experience financing with them. BTW I live in N Cent FL. I drove my pickup up Fri afternoon, slept in a cheap hotel and picked it up the next morning. Back Sat eve and riding. Their prices are lower enough than everybody else that I would def do it again. Worked out great. Oh, I did have to pay FL sales tax once I got back. And the cost of gas up there and back, and the hotel. Still way cheaper than anybody else, and I looked all the way to Louisiana and Tennessee at the time.

I'm 'kinda' analytical and actually made up a spreadsheet so I could compare all the various ZX14Rs for sale, like I said from FL to Lousiana to Tennessee / NC, including all costs involved in going to each of those places, mileage, hotel, etc so I could compare apples-to-apples total purchase price ... and Sport Cycles of Rockingham was by far the cheapest. You just have to be willing to drive, and I was.

www.ebay.com/itm/131437114485

* Last updated by: extrapolator on 2/23/2015 @ 9:36 PM *

Oh, also you might check with a local credit union or two; I've heard their rates are lower, but cannot confirm that.

A sparsely ridden used specimen in flawless condition may be had if you are willing to look. That's the route I'd go. They vary from low 8's to mid 10's. Enjoy the hunt!

11400 dollars!!!! when i bought my 2012 i paid 15,000 euro!!!!!
the euro is weaker now, so thats about 10,000 euro, basck in 2012 it would have cost me 8,500 dollar....you guys got cheap bikes...

and cheap gas....so no bichin when it goes up to $5/gallon.

up until recently we were paying 1.60 a LITRE !!! over not far from 7 dollars a gallon

* Last updated by: motero on 2/25/2015 @ 10:10 AM *

That would definitely decrease my use of the bikes. I know it did when we hit $5/gallon a couple years back.

we were down t o1.25 a litre recently, but its starting to creep up again, bout 1.38 now, diesel 1.25

That's what you get for using the metric system.

metric system, what is a real pain in the ass, all the old guys at work use feet and inches, i use metric,
our bikes are now in klm, but we all talk mph and mpg
we all still use stone for our body weight, but use kilo for dealing with couriers
spanners... you need a mix, metric and imperial, working on a JEEP few wweeks ago, ..think i could find the right size socket
we buy litre of milk...but we drink pints of beer

Tax systems are different. One reason Europe pays more for fuel is it's a more significant part of hteir tax base, and they generally receive more crappy services than we do in the US.

So they don't pay private health insurance like most of us. They pay more gas tax but also have socialized healthcare. Two systems you really can't compare them without looking at the big picture.

we do pay for privarte health insurance...because you will die waiting on the public health to look after you

Damn local dealer still has 2 2013 zx14r in stock. Asking full msrp. Stupid crazy.

First of all it's your money,

Not if your borrowing money. you used somebody else's money . THEIR RULES

I strongly urge you NOT to use credit to purchase a motorcycle. It's almost always a bad deal

Never a truer statement But this is America where credit rulez . the financer's dream to keep you broke and making payments

Damn local dealer still has 2 2013 zx14r in stock. Asking full msrp. Stupid crazy.

Some dealers are more "patient" than others?