they deceived me into buying a bike with high interest rate, promising that after I paid the first 6 months payments ,the would refinance down to 6% rate, it was all a lie to get me to purchase the bike, because they do not and have not ever refinanced bikes,you have to go to your own financial institute for that ,and there not gonna refinance a bike that cost thousands lower than what you owe,till this day i do not have the title to the bike,it is 13 years old,i bought new in 07 ,sales price was $17,686 for 5 yrs, i have paid over $32,000 for it,and they still say i owe $15,600 for it, i was gonna give it back ,but attorneys said as long as they don't get there hands on it,and as long as i don't sell it ,after 4 1/2 yrs of paying over 32gs,it's not fraud ,they quit taking payments on it and wanted total balance due.$15,600 after 5 yrs,i laughed ,i get registration every yr and still have and ride the bike after 13 yrs and been fighting for the title ever since,BEWARE OF CENTRAL TEXAS HARLEY !! and also POOR SERVICE.REPROGRAMMED NEW MAP WHICH CAUSED DAMAGE TO ENGINE THEY SAID WOULD NOT CHANGE ANYTHING,CAUSED IT TO RUN LEAN AFTER I PUT HIGH FLOW EXHAUST AND ENGINE KNOCKS WHEN GETS HOT ,THEY TOOK IT N AND SAID THEY FIXED IT, NOT!!, A YEAR LATER STARTED KNOCKING AGAIN,HAD TO FIX MYSELF,LONG STORY User's recommendation: beware of promised refinancing to lower high interest rate.