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danrulz01
4fiddy Racer
Joined: 23 Feb 2007
Posts: 208
Location: Brisbane, Aust
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 Posted: Mon Mar 05, 2007 11:45 am Post subject: yamaha finance |
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has anyone had dealings with yamaha finance? if so what was your experience like? speed and customer serviceetc.
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YFZ 450SE .... oh yeah!
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Sponsor
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gatesy
90cc 2 stroke / 110 4 stroke
Joined: 18 Apr 2006
Posts: 56
Location: Traralgon
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| Posted: Mon Mar 05, 2007 12:40 pm Post subject: |
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I have been through them 3 times. They were fairly good.
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Glenn
04 Banshee #11 --SOLD 
Now got TTR250
and 06 TTR50E for my little girl 
Anyone want to give me a quad? lol |
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ozquad44
Roostin Away
Joined: 28 Feb 2006
Posts: 518
Location: QLD then VIC now WA
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| Posted: Mon Mar 05, 2007 12:55 pm Post subject: |
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I've used them twice, the customer service is fine, just make sure you shop around for your finance.
Banks and building societies can give you a loan that has no payout fees and you can make extra payments to reduce the amount of interest you pay overall.
Remember with many Bike finance companies as soon as you sign the dotted line your locked into paying the full amount of interest from day one, no savings to be had by paying out the loan early, in fact it will cost you a fee.
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State governments give us REC rego + area to ride ATVs legaly! State Status: VIC-No (Nazi's) QLD-Yes(no place to ride tho) NT-? NSW-Yes, Stockton. TAS-Yes, Areas for ATVs + ATV rego, Go Tazzie . WA-Yes, 2 top places within 1hr of Perth. ACT-? SA-No |
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gothev8
Big Bore, Stroked & Bling +
Joined: 02 Aug 2006
Posts: 453
Location: Brisbane
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| Posted: Mon Mar 05, 2007 1:24 pm Post subject: |
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Wise advice from ozquad, I agree, check the terms and conditions carefully.
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2012 Polaris RZR XP Turbo
2009 Polaris RZR 170 |
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danrulz01
4fiddy Racer
Joined: 23 Feb 2007
Posts: 208
Location: Brisbane, Aust
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| Posted: Mon Mar 05, 2007 1:30 pm Post subject: |
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they are taking forever to get an aproval from, its driving me insane! this has been going on for 6 days now. they must be checking me out like im a crim or something! after all this waiting i will be pretty upset if they give me a negative response.
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YFZ 450SE .... oh yeah!
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blade
50cc nipper
Joined: 29 Dec 2006
Posts: 31
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| Posted: Mon Mar 05, 2007 1:39 pm Post subject: |
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| i got same day finance from them over the phone at the dealer |
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danrulz01
4fiddy Racer
Joined: 23 Feb 2007
Posts: 208
Location: Brisbane, Aust
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| Posted: Mon Mar 05, 2007 1:48 pm Post subject: |
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im really confused, i guess its to do with my age i can afford the repayments by about 5 times plus afford my car and wheels, whats their prob. never had a default on my credit file EVER! hmmmmm  any ideas
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YFZ 450SE .... oh yeah!
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Mrs_Gaitar
Roostin Away
Joined: 12 Feb 2006
Posts: 749
Location: WA
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| Posted: Mon Mar 05, 2007 1:53 pm Post subject: |
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How much are they slugging you for the yamaha insurance part of the finance...
We bought my sons bike off someone who had it financed, they owned it about 4 mths and changed their minds, wanted 2 wheelers... anyways they had huge payouts and the insurance was about 10 x what we were paying.
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www.waquadmx.com |
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REDTED
Roostin Away
Joined: 15 Jun 2006
Posts: 627
Location: Orange N.S.W
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| Posted: Mon Mar 05, 2007 7:56 pm Post subject: |
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You can't beat colateral. Pay heaps into a home/investment loan when you can (Intead of alcohol )& then draw it out when you need /want it
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Cheers-Redted. 04 Raptor
Last edited by REDTED on Wed Mar 07, 2007 6:36 pm; edited 1 time in total |
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Aussieduner
Moderator
Joined: 05 Sep 2006
Posts: 1458
Location: New South Wales
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| Posted: Mon Mar 05, 2007 8:31 pm Post subject: |
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Get a Building Society or similar loan,no BS or secret loop holes,good rates and pay as much as you like with out penalty dont get caught up in the "have it right now worry about the paying bit later" mate do some research and you will be much better off.
Aussie
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1989 TRX 250R |
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danrulz01
4fiddy Racer
Joined: 23 Feb 2007
Posts: 208
Location: Brisbane, Aust
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| Posted: Tue Mar 06, 2007 7:21 am Post subject: |
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what are a few examples of these building societies u speak of?
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YFZ 450SE .... oh yeah!
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blade
50cc nipper
Joined: 29 Dec 2006
Posts: 31
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| Posted: Tue Mar 06, 2007 1:08 pm Post subject: |
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| mate you are better off just checking out as many banks/building societies as you can find and compere interest rates/early payout charges and if you can make extra payments as there are so many diff views on here you are just going to get more and more confused |
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danrulz01
4fiddy Racer
Joined: 23 Feb 2007
Posts: 208
Location: Brisbane, Aust
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| Posted: Tue Mar 06, 2007 1:16 pm Post subject: |
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yeah ur right however mate, i dont think im in a position at all to be picky with the places i get it from. you can play one off against the other (if they are both willing to give u finance to begin with) but im flat out finding someone who will look at an 18 yr old earning 615 bux a week, its driving me litterally insane! lol
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YFZ 450SE .... oh yeah!
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M.F.I.
Blaster class
Joined: 01 Mar 2007
Posts: 124
Location: Gold Coast-Brisbane
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| Posted: Tue Mar 06, 2007 1:33 pm Post subject: Yamaha Finance |
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Dude I walked into the shop one lunch time and rode out that afternoon. I had payslips and bank statements etc. ready to go and they did they dealer delivery on my bike while I did the loan. They even let me borrow 10% of the loan value to spend in their shop, which got me my helmet and boots to ride home with. It was sweet. 
Which dealer was it?
Do they have a bike in stock they can sell you straight away- could they be buying themselves time??
Ring anohter dealer and ask whats involved and see how long until you can ride away.
I also used GE finance once- high rates but if you can pay as little as $10/week extra it easily offsets the high interest but they do same day or 24hr turnaround usually. They also have more 'flexible' criteria.
Shop around if you have problems I know you said you have the affordability but maybe it is age or something so look around for other lenders who do 'secured non-conforming loans' this is where they take security of something you own (usually a car) until the loan is paid. That way they get their money no matter what.
Good luck
Let us know when you get a quad sorted as I live Bris/Gold coast.
RAPSHEE
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RAPTOR 660:
770cc Balanced & Blueprinted
BANSHEE
Trinity 410cc Kit:
I let people merge in front of me coz it makes me feel good?????? |
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danrulz01
4fiddy Racer
Joined: 23 Feb 2007
Posts: 208
Location: Brisbane, Aust
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| Posted: Tue Mar 06, 2007 1:45 pm Post subject: |
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Ive rung around so many places man, my last option (in my oppinion) is through a credit union that said they might refinance my car (pay out GMAC) and finance the bike and my car into one bigger loan at 10.2% but then again
i dunno what the outcome of that would be.
answer to ur other question is yes the bike ill be getting "IF" they give me finance is sitting in the show room all shiny and with my name on it. not litterally but i hope so lol. its a yfz450 SE. plus i chose the gear i want like helmet boots pressure suit etc, plus nerf's. so its all there, ill be honest with u mate i have NO FREAKIN IDEA what they are doing! well the gentleman at the store who has been absolutely fantastic with dealing with my case had to re submit the app with new details of my income, so i feel sorry for that guy having to piss around. but its through moorooka yamaha, even if i dont get the finance, i highly recomend going through James (in finance) if u do it. his customer service and work ethic are admirable! so yeah. if all else fails i guess i will have to pay cash for the bloody thing, but that will take me bout 8 months to save  sigh*
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YFZ 450SE .... oh yeah!
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danrulz01
4fiddy Racer
Joined: 23 Feb 2007
Posts: 208
Location: Brisbane, Aust
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| Posted: Tue Mar 06, 2007 3:19 pm Post subject: |
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GUYS GUESS WHAT!
THEY ARE GIVING ME THE FINANCE   woooo!
the only thing is i gotta give them a $1350 deposit which is ok cause its gunna pay onto my loan. guys im soo happy, i can have my yfz in 2 weeks max 
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YFZ 450SE .... oh yeah!
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M.F.I.
Blaster class
Joined: 01 Mar 2007
Posts: 124
Location: Gold Coast-Brisbane
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| Posted: Tue Mar 06, 2007 3:29 pm Post subject: |
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Cool man! Unless you are a total financial headcase there is usually a way.
Good things come to those who wait.......
Now you wait.
Wait for a bloody good thing I might add!!
Cheers
RAPSHEE
_________________
RAPTOR 660:
770cc Balanced & Blueprinted
BANSHEE
Trinity 410cc Kit:
I let people merge in front of me coz it makes me feel good?????? |
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danrulz01
4fiddy Racer
Joined: 23 Feb 2007
Posts: 208
Location: Brisbane, Aust
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| Posted: Tue Mar 06, 2007 3:45 pm Post subject: |
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yeah man, i aint no financial headcase, im able to pay all my bills and have 50 bux for leasure and fun a week plus save 400 a week for my house deposit next yr, going in to the property market with my folks. yeah so im no longer quadless wooo. well for 2 weeks i am i guess lol but as soon as i get it, i think pics are in order...
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YFZ 450SE .... oh yeah!
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dusty
90cc 2 stroke / 110 4 stroke
Joined: 17 Jan 2007
Posts: 82
Location: JIMBOOMBA QLD
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| Posted: Tue Mar 06, 2007 3:56 pm Post subject: |
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congrats dan how exciting welcome to yfz country, your life now begins
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yfz450,ltz400,blaster200,lt50 GO HARD OR GO HOME |
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danrulz01
4fiddy Racer
Joined: 23 Feb 2007
Posts: 208
Location: Brisbane, Aust
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| Posted: Tue Mar 06, 2007 4:11 pm Post subject: |
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Thanks mate, theres no describing how happy i am at this second. im over the moon!
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YFZ 450SE .... oh yeah!
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dusty
90cc 2 stroke / 110 4 stroke
Joined: 17 Jan 2007
Posts: 82
Location: JIMBOOMBA QLD
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| Posted: Tue Mar 06, 2007 4:19 pm Post subject: |
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thats how i felt when i got my 450 yam , couldnt wait a day let alone two weeks, how will you cope!!!!!!
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yfz450,ltz400,blaster200,lt50 GO HARD OR GO HOME |
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danrulz01
4fiddy Racer
Joined: 23 Feb 2007
Posts: 208
Location: Brisbane, Aust
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| Posted: Tue Mar 06, 2007 5:54 pm Post subject: |
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thinking bout pawning some of my stuff for a week or 2 lol then getting it out again lol.
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YFZ 450SE .... oh yeah!
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rapmat
4fiddy Racer
Joined: 29 Aug 2006
Posts: 232
Location: mittagong NSW
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| Posted: Wed Mar 07, 2007 6:13 pm Post subject: |
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yamaha finance were good to me and the customer service is ok if you dont mind sitting on hold for hours on end. my best suggestion is to do what redted suggested and borrow more against your house or redraw some for the average production quad it will add about $5 a week to the average mortgage... if not try the credit union
Matt
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getting your quad around just got a whole lot easier www.ozcustomquadcarriers.com.au |
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