'Cheap' or finance?

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biggs682

Itching to get back on my bike's
Location
Northamptonshire
And Holy Trump, make sure you ride it first. You wouldn't spend £250 on a car without driving it first, so why do people drop 2 gee's or more on a bike they've never even seen in the metal?
just thing of the street cred of turning up on a £2k+ bike .......that doesnt fit or ride nice
 

Drago

Legendary Member
2k is far, far from top flight limited production dodo fur territory. We're talking mass produced machines, that will in frequent instances stick in stock rooms until they're no longer current, and there will be many reduced examples all over the place. 60 seconds with Google proves the point.
 

vickster

Legendary Member
Or Dolan or Ribble or some of the last years' models on sale at Paulscycles among others. You do pay a premium for the Specialized brand too
 

keithmac

Guru
If you buy on finance and something goes wrong with the bike the finance company are joint liable to fix it and they don't mess about!.

I know certain people who could have bought outright but chose to finance for this reason alone (not bikes though).
 

screenman

Squire
If you buy on finance and something goes wrong with the bike the finance company are joint liable to fix it and they don't mess about!.

I know certain people who could have bought outright but chose to finance for this reason alone (not bikes though).

Just stick a bit on a credit card if that worries you. I seem to think a £100 is enough.

Despite buying maybe 50 New bikes over many years for myself and the family I have never had one go back for warranty work, I must have been lucky.
 

vickster

Legendary Member
[QUOTE 4673632, member: 45"]Yeah, we get it, you don't like Specialized. :okay:[/QUOTE]
I wouldn't spend £4k on a Scott, Trek, Cannondale or Boardman either :smile: Well any plastic bike truth be told, especially not on finance ;)
 

Salty seadog

Space Cadet...(3rd Class...)
di2 is not worth it one bit and if you take a tumble and smash the rear mech area I'm told that little box at the back is £600 to replace, could be less could be more. What problems do you have with cable gears, once dialed in which is pretty easy they generally stay that way. And I suspect you know this.

Personally I am paying for 2 bikes on 0% at the moment (1 finishes in 2 months) and I still have the £3600 they cost in the bank. If your confident you can keep the payments up then I'd go that way.
Having said that I have 2 others which I paid outright for the more expensive of which is on a )% credit card and the direct debit set to pay it of in the 39 month 0% offer period.

Your call, and personally wouldn't go over £200-£2500 max on a bike.
 
U

User33236

Guest
di2 is not worth it one bit and if you take a tumble and smash the rear mech area I'm told that little box at the back is £600 to replace, could be less could be more. What problems do you have with cable gears, once dialed in which is pretty easy they generally stay that way. And I suspect you know this.

Personally I am paying for 2 bikes on 0% at the moment (1 finishes in 2 months) and I still have the £3600 they cost in the bank. If your confident you can keep the payments up then I'd go that way.
Having said that I have 2 others which I paid outright for the more expensive of which is on a )% credit card and the direct debit set to pay it of in the 39 month 0% offer period.

Your call, and personally wouldn't go over £200-£2500 max on a bike.
The 'little box' costs around £160 so unless you are paying OTT labour costs £600 is a long way off.
 

vickster

Legendary Member
Avoid finance and credit cards like the plague.
Why? if 0% and no issues with paying back? I've used 0% finance for biggish purchases in the past (not bikes, kitchen for example) and have never had an issue as in all cases I've had the funds.
Why not take advantage of 0%, particularly in those long forgotten days when savings earned more than 0.5% in interest! Obviously, an interest bearing loan is different, I don't pay to borrow money (except a very small mortgage, but I have to live somewhere)
 
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