Ducati Finance Rates V4S

jaythomas726 · 2025-02-09T19:52:14-0800

Hey everyone,

I’m supposed to be be picking up my used V4S this week. I’m considering seeing the options available through DFS, but the salesman told me rates could be 8-9% even for prime FICO scores 750+. Are Panigale rates consistent for all Ducati Dealers or has anyone picked one up recently and mind discussing their rate?

BP PanigaleV4S · 2025-02-09T20:27:58-0800

Having went through DFS, I don't think I would again. They have an archaic payment system which has you only able to phone in payments. They mail 10-day payoff letters, which arrive 14+ days after requested, and are thereby obsolete on arrival. They can't e-mail them, but can fax them, should it be 1990 and you have a fax machine at the ready.

On interest rates, if you are tier 1 at 750+, 8-9% is sh*t but kind of the going rate. Shop rates at credit unions in your area. You may have to give them $5 to buy-in and establish an account, but it's worth it. You can always re-finance in a year or so.

MdDuc · 2025-02-09T22:04:58-0800

You couldnt give me 0% financing with DFS- absolute ....... garbage company stuck in 1990. I ended up pulling $ from my HELOC to pay off a DFS loan because I was so ....... sick of having to call in every four weeks to make a payment. Total joke.

BP PanigaleV4S · 2025-02-09T22:28:00-0800

IDK, for 0% I’d be happy to call. The problem is they don’t trade the inconvenience for anything favorable to the consumer. 0%, F yeah. 8%, get F’d. you can get 8% from a local outfit who isn’t stuck in the prior century.

DV4 · 2025-02-09T23:18:19-0800

Where do you guys live, in the dark ages?

jaythomas726 · 2025-02-10T03:52:30-0800

Thanks for the insight. Yea I’m going to compare today what my credit union gives, I just know they have some more strict requirements on motorcycles vs auto

BP PanigaleV4S · 2025-02-10T05:30:29-0800

DV4 said:
Where do you guys live, in the dark ages?

Thanks for the useful post!

wildman · 2025-02-10T06:40:28-0800

I checked both Navy Federal Credit Union and Langley Federal Credit Union, both 8+.

NJ Streetfighter V4 · 2025-02-10T07:25:26-0800

My 2024 Street Fighter V4 is at 3.99%, with DFC. I have my payments set through my banks.
Just put Ducatis info into your Bank list of Payees and you’re set.
And just to lower interest and payments, I tend to pay every pay period, and split between banks.
So every pay period I pay $150 from one bank, and $65 from another for a total of $215, for me this way helps keep that $215 Nut every month a bit more manageable, and it’ll pay off the Bike faster.

jaythomas726 said:
Hey everyone,

I’m supposed to be be picking up my used V4S this week. I’m considering seeing the options available through DFS, but the salesman told me rates could be 8-9% even for prime FICO scores 750+. Are Panigale rates consistent for all Ducati Dealers or has anyone picked one up recently and mind discussing their rate?

jaythomas726 · 2025-02-10T18:05:29-0800

NJ Streetfighter V4 said:
My 2024 Street Fighter V4 is at 3.99%, with DFC. I have my payments set through my banks.
Just put Ducatis info into your Bank list of Payees and you’re set.
And just to lower interest and payments, I tend to pay every pay period, and split between banks.
So every pay period I pay $150 from one bank, and $65 from another for a total of $215, for me this way helps keep that $215 Nut every month a bit more manageable, and it’ll pay off the Bike faster.

Did you buy new? Just spoke to another dealer today and confirmed used bike rates are pretty bad, especially for the Panigales

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