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Financing

 
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Tonupboy
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Joined: 01 Dec 2006
Posts: 5
Location: NJ
50cc

PostPosted: Fri Dec 01, 2006 6:41 am    Post subject: Financing Reply with quote

Just wanna know if its possible to finance a scooter. In the past, I purchased a used scooter using cash, but now I wanna new Stella. Is it possible to finance it? Someone told me that they don't since its cheaper than a motorcycle.
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Elm Creek Smith
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Joined: 09 Oct 2006
Posts: 655
Location: Owasso, Cherokee Nation, I.T.
Classic Black Budd 125

PostPosted: Fri Dec 01, 2006 6:54 am    Post subject: Reply with quote

They don't make Stellas anymore.

ECS

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lobsterman
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Joined: 01 Sep 2006
Posts: 1032
Location: Cincinnati, OH
Orange & Green 06 Buddy 125, Stebelated

PostPosted: Fri Dec 01, 2006 11:33 am    Post subject: Reply with quote

Stella availability aside, it is possible to finance anything. The real issue is finding a willing lender.

Here in Cincinnati, there is a Credit Union that had a Buddy in it's window all summer/fall to advertise that they would finance them.

Many scooter dealers are independent and small, so they don't have their own financing available. If you ask though, they might be able to point you to a bank that has been helpful to their customers before.

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mybuddy
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Joined: 30 Jul 2006
Posts: 88
Location: Amelia Ohio
"Ernie Orange" Buddy 125

PostPosted: Fri Dec 01, 2006 12:17 pm    Post subject: Reply with quote

Or, you could take advantage of the many many many 0% interest credit card offers.
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ellen
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Joined: 10 Jun 2006
Posts: 398
Location: Southwestern CT
Genuine Buddy 125, Piaggio BV200, Honda Metropolitian

PostPosted: Fri Dec 01, 2006 12:52 pm    Post subject: Reply with quote

Most dealers offer some kind of financing.
Piaggio and Kymco have their own.
And there is also GE FUNancing. www.funancing.com

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NarMeowZippy
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Joined: 18 Aug 2006
Posts: 66
Location: Seattle, WA
Orange Buddy 50cc - aka "Screwdriver"

PostPosted: Fri Dec 01, 2006 3:05 pm    Post subject: Reply with quote

I financed my scooter through my bank, First Tech Credit Union. Keep in mind, that banks only finance the MSRP of the scooter... not title, taxes, etc.
Because it's considered a Recreational Vehicle Loan, interest rates were higher for me than a motorcycle... but it was well worth it. For only $85 a month I get my Buddy.

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sunshinen
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Joined: 31 Aug 2006
Posts: 803
Location: Morrison, CO
06 Buddy 125

PostPosted: Fri Dec 01, 2006 3:57 pm    Post subject: Reply with quote

The dealer where I purchased had financing through American General. I got 90 days same as cash, and paid it off, so I don't know how bad the interest rates might be. But they keep offering to loan me more money. So that might be an option. I would be careful though.
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Tonupboy
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Joined: 01 Dec 2006
Posts: 5
Location: NJ
50cc

PostPosted: Sat Dec 02, 2006 4:42 pm    Post subject: Reply with quote

The Buddy looks great - even the Blur. I keep a video blog using my Suzuki Sv650s, but I need something that I can just hop on and go around town and even commute to work and I think scooters perfect. Thank you all for your help and advice!
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Tonupboy
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Joined: 01 Dec 2006
Posts: 5
Location: NJ
50cc

PostPosted: Sat Dec 02, 2006 4:46 pm    Post subject: Reply with quote

Elm Creek Smith wrote:
They don't make Stellas anymore.

ECS


Woah, I didnt know that. Do you know the reason why?
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vitaminC
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Joined: 07 Aug 2006
Posts: 768
Location: Redwood City, CA
ex '06 B125

PostPosted: Sat Dec 02, 2006 7:41 pm    Post subject: Reply with quote

Tonupboy wrote:
Elm Creek Smith wrote:
They don't make Stellas anymore.

ECS


Woah, I didnt know that. Do you know the reason why?


Something to do with the factory workers being locked-out. No workers, no scoots!
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ericalm
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Joined: 10 Jun 2006
Posts: 17637
Location: Los Angeles, CA
STELLA FOUR STROKE FURY! + Vespa LX 150/190 + '87 Honda Helix CN250

PostPosted: Sat Dec 02, 2006 9:03 pm    Post subject: Reply with quote

vitaminC wrote:
Tonupboy wrote:
Elm Creek Smith wrote:
They don't make Stellas anymore.

ECS


Woah, I didnt know that. Do you know the reason why?


Something to do with the factory workers being locked-out. No workers, no scoots!


Yup, there's an ongoing labor dispte at the LML factory in India where Stellas were assembled. This has been covered quite a bit over on the 2strokeBuzz site. This dispute, BTW, has nothing to do with Genuine. There have been a lot of rumors about Genuine having Stellas manufactured elsewhere but so far nothing has turned up.

The popularity of the new Genuine line and their expanded dealer network and the fact that they were made legal in CA just before disappearing from the marketplace could mean huge sales if the Stellas were to return. I'd definitely consider buying one instead of a vintage P200.

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vitaminC
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Joined: 07 Aug 2006
Posts: 768
Location: Redwood City, CA
ex '06 B125

PostPosted: Sun Dec 03, 2006 12:59 am    Post subject: Reply with quote

ericalm wrote:
I'd definitely consider buying one instead of a vintage P200.


Me too! One of the main turn-offs for me regading the classic Vespas is that pollution-wise they are just too dirty. I would feel guilty every time I took it out for a ride. At least the Stella has a catalytic converter, so it's not quite so bad... or at least that would help me justify it Wink
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ericalm
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Joined: 10 Jun 2006
Posts: 17637
Location: Los Angeles, CA
STELLA FOUR STROKE FURY! + Vespa LX 150/190 + '87 Honda Helix CN250

PostPosted: Sun Dec 03, 2006 2:17 am    Post subject: Reply with quote

vitaminC wrote:
ericalm wrote:
I'd definitely consider buying one instead of a vintage P200.


Me too! One of the main turn-offs for me regading the classic Vespas is that pollution-wise they are just too dirty. I would feel guilty every time I took it out for a ride. At least the Stella has a catalytic converter, so it's not quite so bad... or at least that would help me justify it Wink

I don't know how they compare in terms of emissions... Are vintage scoots really that bad? They've still got to be better than a car once you factor in less gas consumption. But cleaner IS better, of course.

I'd opt for a Stella more because I like having a warranty and better reliability from day 1. If they offered a new one with the same warranty and roadside service deal as the Buddy, even better!

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vitaminC
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Joined: 07 Aug 2006
Posts: 768
Location: Redwood City, CA
ex '06 B125

PostPosted: Sun Dec 03, 2006 3:28 am    Post subject: Reply with quote

ericalm wrote:

I don't know how they compare in terms of emissions... Are vintage scoots really that bad? They've still got to be better than a car once you factor in less gas consumption. But cleaner IS better, of course.


Yes, vintage scoots are that bad. It's not just the amount of gas they burn, which certainly is less than most cars, but it's the huge amount of pollutants generated from a two-stroke engine. Lots of extra hydrocarbons and other junk because the 2-stroke cycle burns oil in addition to gas, and doesn't really burn either completely.
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Fueldrum
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Joined: 29 Sep 2006
Posts: 119
Location: Lawrence, KS
Orange Buddy 125

PostPosted: Sun Dec 03, 2006 4:35 am    Post subject: Just a thought... Reply with quote

Not to be a horrible stick in the mud, but you could take advantage of the winter when you can't ride anyway to save up for a Buddy instead of financing/loan nonsense.

Debt free and paying with cash are powerful things!

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