Most motorcycle manufacturers have announced and begun shipping their new 2013 models. To make room in dealers’ showrooms many are offering year end sales incentives. We’ve compiled a comprehensive list of special offers, including financing deals, cash back and others. We’ve arranged the list by the expiration dates of the offers. Several manufacturers have multiple deals available with different end dates, so be sure to scroll through the entire list, especially if you’re interested in a particular brand.
As with most financing offers, there’s a good deal of fine print, so we summarize those details for you on each offer. Shop around, compare rates you may be eligible for from your own bank or credit union to those offered by the manufacturers. Your credit score and the amount you put down or the value of any trade-in you may have will affect what you actually wind up paying. Be sure to check with your local dealership for any additional offers they may have on in-stock bikes.
It’s a great time to buy, even if you live in an area where the winter months limit your opportunities to ride. So have a look at our list. You may find the deal you’ve been waiting for.
Offers Ending 11/30/12
Suzuki: 0 percent APR for 5 Years on RM-Z Models
The 2011 and 2012 Suzuki RM-Z450 were both named “Best Motocrosser” by Cycle World. Suzuki gave the bike a redesign for 2013 and now they’re offering special financing on both the RM-Z450 and RM-Z250. You can get an APR of 0% for up to 60 months on either model, 2013 and prior model years.
The Fine Print: The offer expires on 11/30/12. Minimum financed amount is $1,500 with a maximum of $50,000, which would buy you five of the RM-Z450s. If you financed $7,500 your estimated monthly payments would be $125. As with any of the special financing rates listed here you have to have excellent credit to qualify. Other rates may be available depending on your credit score.
Triumph: Fantastic Fall Financing
The British manufacturer is offering two options on all in-stock 2013 and prior year models; $0 down and 3.99% APR for up to 60 months, or $0 down and 5.49% APR for up to 72 months.
The Fine Print: The offer expires on 11/30/12. You must have what Triumph refers to as Tier 1 credit, which means excellent, to qualify for either of these offers. Other (read higher) rates may be available and a down payment may be required depending on your credit score.
Offers Ending 12/26/12
Yamaha: They offer three different incentives with a version of each for their Yamaha branded sport and off road models and Star branded cruisers.
Time To Ride Sales Event
On Yamaha branded bikes the offer includes an APR of 3.99% for up to 36 months and up to $1,000 customer cash. On Star branded models the offer includes an APR of 3.99% for up to 36 months and up to $1,500 customer cash.
The Fine Print: The offer expires on 12/26/12. For Yamaha branded motorcycles the minimum finance length is 24 months. On either Yamaha or Star branded bikes the minimum financed amount is $5,000. To qualify for 3.99% APR you must have excellent credit, higher rates are available depending on your credit score. Monthly payments work out to $29.52 per $1,000 financed. So by financing the minimum $5,000 and getting the best rate, 3.99% APR, your monthly payment would be $147.60. These finance rates are available on new 2013 and prior models. Customer Cash is available only on new 2012 and prior Star models and select 2013 and prior Yamaha models. The amount of customer cash is determined by the model and model year. On Yamaha branded motorcycles the maximum is $1,000 on 2012 and prior YZ250F models. On Star models the maximum is $1,500 on 2011 and prior Stratoliner, Roadliner and Road Star Warrior models. None of these offers are available in Hawaii.
This is the same as the Customer Cash portion of the Time To Ride Sales Event mentioned above, but does not include the special financing rates. See description above for the fine print on the Customer Cash special. This offer expires on 12/26/12.
Low Monthly Payments On Select Models
Yamaha has selected six models for this offer of low monthly payments. You can get payments as low as $109 per month on a new FZ6R, $149 per month on a YXF-R6 or $199 per month on a YZF-R1. Star models included in the offer are the V Star Custom at $99 per month, the V Star 950 at $119 per month and the Stryker at $139 per month.
The Fine Print: The offer expires 12/26/12. Interest rates vary depending on your credit score and range from a low of 2.99% APR on Yamaha models and 3.49% APR on Star models. The listed monthly payments are based on you putting down 10% and examples like financing $6,831for 72 months at 4.25% on a 2012 FZ6R to get the $109 per month payment or financing $6,201 for 72 months at 3.49% APR on a 2011 V Star 650. Again, your credit score will determine the rate you’re eligible for. The offer is not valid in Hawaii.
Offers Ending 12/31/12
Ducati: The Italian manufacturer has singled out four 2012 models for special year end incentives.
2012 1199 Panigale 1.99% APR for 60 Months
Part of Ducati’s Superbike lineup, the 2012 Ducati 1199 Panigale and Panigale S without ABS are both eligible for this offer.
The Fine Print: The offer expires on 12/31/12. To qualify for the listed finance rate you must have Tier 1 credit. Best rates vary depending on length of finance contract. Ducati is offering 1.49% APR for 36 months, 1.74% APR for 48 months or 1.99% APR for 60 months. All rates require a 10% down payment.
2012 848EVO $0 Down & Ducati Makes First 6 Months Of Payments
Another of Ducati’s Superbikes, both the 848EVO and 848EVO Corse Special Edition are eligible for this offer.
The Fine Print: The offer expires on 12/31/12. Your credit must be excellent, Tier 1, to qualify for this offer. Ducati will pay up to $198 per month for the first six months of the term on 848EVO models and up to $212 per month for the first six months of the term on 848EVO Corse Special Edition models. After the first six months the APR is 4.99%. Your actual monthly payments after the first six months will be $197.73 on an 848EVO with a purchase price of $13,995 and an APR of 4.99% financed over 84 months. On an 848EVO Corse Special Edition they’ll be $211.86 with a purchase price o f$14,995 and an APR of 4.99% financed over 84 months. Higher rates are available for less than stellar credit scores, though some of them may require a down payment.
2012 Multistrada 1200 S Touring 0.99% APR Financing For 60 Months Or $1,200 In-Store Credit
You get a choice of deals on the 2012 Multistrada 1200 S Touring model. You can finance it for up to 60 months at an APR of 0.99% or take $1,200 of in-store credit with your purchase.
The Fine Print: The offer expires on 12/31/12. You can actually get a better rate if you choose a shorter finance period, but you’ll need a Tier 1 credit rating to qualify. All rates require a 10% down payment. Rates are 0.49% APR for up to 36 months, 0.74% for up to 48 months or 0.99% for up to 60 months. Higher rates may be available depending on your credit score and to get stated or higher rates may be required to have a higher down payment. If you opt for the $1,200 of in-store credit it must be used on Ducati apparel or performance accessories at the time of purchase.
2012 Streetfighter 848 2.99% APR Financing For 60 Months
Ducati’s sole Streetfighter model for the 2012 model year is eligible for a special finance rate of 2.99% APR for up to 60 months.
The Fine Print: The offer expires 12/31/12. As with the Multistrada 1200 S Touring offer, you may qualify for a lower rate if you choose a shorter finance term. Available rates for customers with Tier 1 credit are 2.49% APR for up to 36 months, 2.74% APR for up to 48 months or 2.99% APR for up to 60 months. All offered rates require a 10% down payment. Higher rates may be available, and may require a higher down payment depending on your credit score.
Honda: The biggest motorcycle manufacturer has a number of special year end offers available. Some of them have different expiration dates, so be sure to scroll down to see all of the available Honda offers.
Honda offers a special that’s not dependent on your credit score. You can receive up to $1,000 in Honda Bonus Bucks depending on the model you buy. The offer is good on select new models from 2013 back through 2010.
The Fine Print: The offer expires on 12/31/12. Honda Bonus Bucks must be used towards the purchase of parts, accessories, gear or other purchases at the dealership at the time of purchase of select new Honda motorcycles. Bonus Bucks value depends on model and not all models are eligible. Value ranges from $200 on the CRF230M to $1,000 on Gold Wings and the CRF450X.
Husqvarna: Elect To Ride More Sales Event
Part of the BMW family since 2007, Husqvarna is offering a compound deal on select new 2012 models that includes cash incentives of up $1,500, $0 down and finance rates as low as 5.99% APR for up to 60 months.
The Fine Print: The offer ends 12/31/12. Your credit score will determine your finance rate and whether or not you’ll need to put any money down. Buyers with approved credit may finance up to 130% of the purchase price of a select new model. Models include in-stock 2012 TE, WR, TXC, TC or CR models.
Triumph: New Rider Training Incentive Program
Get up $225 towards a rider training program when you buy a new Triumph motorcycle.
The Fine Print: The offer expires 12/31/12. You must submit proof of successful completion of a Motorcycle Safety Foundation or National Motorcycle Training Institute on-road new rider program within 30 days of purchasing a new Triumph motorcycle. Triumph will give you a gift card for the value of the course, up to $225.
Victory: Full Throttle Salute
For members and veterans of the U.S. or Canadian military Victory is providing $1,000 off the purchase price of any new Victory motorcycle.
The Fine Print: The offer expires on 12/31/12. It’s available to all active, reserve, National Guard and retired military personnel of the U.S. or Canadian military. Victory will send a coupon that can be redeemed for credit on your Victory parts account. Military ID is required.
Offers Ending 01/02/13
Honda: Honda has two year end deals that run through the day after New Year’s.
2.9% Fixed APR On All Off-Road And On-Road Models
All new Honda motorcycles are eligible for this financing promotion.
The Fine Print: The offer expires on 01/02/13. To qualify for 2.99% fixed APR your credit rating has to be in the super preferred credit tier. Maximum finance period is 36 months, Monthly payments will $29.08 for every $1,000 financed. Higher rates may be available for buyers with lower credit ratings.
Gold Wing End Of Year Bonus
Honda gives you a choice of two deals on the purchase of a new 2012 or prior Gold Wing GL1800. The first is $1,000 in Honda Bonus Bucks which we explained above. The Bonus Bucks offer expires on 12/31/12. You can also choose to finance your Gold Wing at 1.00% fixed APR.
The Fine Print: The 1.00% fixed APR offer expires on 01/02/13. To qualify you must fall into Honda’s super preferred, preferred or standard credit tier. Maximum finance period is 60 months. Monthly payments will be $17.09 for every $1,000 financed. Higher rates may be available for customers with lower credit ratings.
What To Watch For
Not all dealers may be participating in all of the deals listed here. Be sure to check with your dealer. And always read the fine print carefully for yourself. For example, some finance contracts will allow to pay off the balance on your bike early without a penalty, be others may not. And some of the deals mentioned here don’t take into account extra charges like registration, taxes and other dealer-related fees.