uh oh- curvy vs pointy

I really don't want to start a fight here but I am having a huge dilemma on which sv to get.

I fell in love with the yellow curvy and prefer the look but heres the thing:

I have no money


I'm not one of those save up types and have recently had a pay rise so figured I would buy a curvy at £2500- £3000 on my credit card, and bounce it around on 0% deals- I have to factor in fees - approx £40 every 9 months

however

I was at hien gericke yesterday buying a new lid when we got talking about th 0% deal on new bikes from suzuki. He said that if you don't have the money you are better off getting the finance


What do I do. I was all set on the curvy but now keep thinking about the pointy Am I being unfaithful, or just practical?

£4000 feels like loads of debt to put myself in, and I would have done all the services on the curvy myself. Also if i'm on finance - shouldn't I really go fully comp, just in case?



Can I get the 0% deal on a prereg k4?

Don't buy a bike on your credit card, trust me (regardless of how clever you are at juggling). Yes the curvy is the one to go for but on 0% finance it's a pretty good deal if you can get the initial price right, and the pointy is without doubt an excellent bike.


.

You can pick up a yellow curvy for less than that, mine was £2000.

Check out deals on second hand bikes, there may be finance deals available. If you do look into it, I'd look for a bank loan rather than a finance deal as you should get a much lower APR.

Do they still do yellow new ones? It wasn't a popular colour, although more so than the red.

And with a new bike, barter as much as possible.

MT

get the new sv's on the 0% you cant go wrong! no mot's no brake's,tyres,bearings,chains,sprockets,fork seals,to worry about and best of all you are the only owner and u know how its been ridden from day one (it aint been thrashed and wheelied) there 4299 arnt they? thats 120 over 36 months.
my last bike was used and when i come to part x it for my new sv the dealer did an HPI check on it! the report came back as a cat c write off i lost £1000 on that bike! and in the previous 12months of owning it i had new downpipes(£260) chain and sprockets(£110) and a full service(£160) oh and a set of front break pads(£20) THATS 1550 THAT BIKE COST ME AND IT WAS ONLY WORTH 1300 THIS IS WHY I LEARNT MY LESSON THE HARD WAY AND NOW I ALWAYS BUY NEW! DONT GET STUNG FOR THE SAKE OF £30 PER WEEK. you can ride with piece of mind on a new one.
daz

[Red ones]

I would never buy a car or bike on a credit card:
firstly one day you forget to move the money
secondly it is unsecured.

Get a loan secured on the vehicle. This is then viewed separately in any future credit check plus the value of the outstanding credit is only ever compared with the value of the vehicle and not against your house, your tv or any other item in your possession.

Screw down a low fixed rate deal and bear in mind how long you think you will keep the bike. (If you think you will have it for 3 years, finance over 2 - what you don't pay on the loan in year 3 becomes your deposit on the next bike - you increase your equity that way and the next bike, usually bigger and more expensive, does not work out so expensive)

For what you would pay on credit cards it probably works out just as much to take the 0% deal from the dealer.

There is always good advice at MSN Money on this.

Originally Posted by kwak zzr

get the new sv's on the 0% you cant go wrong! no mot's no brake's,tyres,bearings,chains,sprockets,fork seals,to worry about and best of all you are the only owner and u know how its been ridden from day one

That's a very good point. If you're considering buying used, then the older it is the more you'll have to set aside to spend on items like the above, particularly if bike DIY isn't on your current list of qualifications. There's also a two year warranty as well that's certainly worth something.


.

Get a pointy in black... You can also put all the extras you buy on the 0% too... So you could get lowers, hugger, undertray & maybe even a can & bung it all on 0%

Plus pointies are far nicer than curvys too

the pointy one is way better

complaints to the usual address

apparently the blue pointy are worth slightly money than the other colours. My k3 has been mechanically faultless for 18 months now and with a scottoiler they dont even use many consumables, is your looking to save a bit on maintanace get some hardish touring based tires, they last way longer and have slightly less grip.

You've said it yourself - you prefer the curvy. So, why not get a curvy!!?? :P

The interest free stuff is nice, but doesn't actually save you that much. Loan rates are only about 6.5%. Try and find one with the extras that you like - then you will be quids in.

I could have afforded a new SV but much prefer the look of the curvy.

Your choice!

Martin

[Big Bad Al]

I bought my K4 s on a credit card and my previous bike - If you are mindful of the dates when the interest free period runs out, it is an excellent way of purchasing, in my opinion. I haven't had to pay any fees - not sure why you would have to). Just apply for new card in good time and swap over. A lot of rumours abound about gettting a bad credit ref - from some of the card co's themselves, but beleive me, if you are paying off one card and cancel cards that you have finished with (ie don't end up with 4-5 different cards) your rating will stay OK. This is dangerous if you don't intend paying off the loan in full of course. Good luck.