Sparta Financing Products

SPARTA currently offers three outstanding financing products for new or used motorcycles and select scooters: The SPARTA Flex Lease, the SPARTA Purchase Plus Lease and the Sparta Sport Loan. With terms from 24 to 60 months, liberal credit criteria and a unique array of benefits and advantages – to both dealers and consumers – these 3 programs represent the most flexible and aggressive choices in powersports financing today.

SPARTA FLEX LEASE

The SPARTA Flex Lease is our preferred and recommended product because it offers customers more options and advantages than any retail installment contract – including our own. With the SPARTA Flex Lease, your customers will almost always have a lower monthly payment than that of a retail installment contract on the same unit. Plus, they’ve got 4 options at lease end…which no retail installment contract offers: They can (1) buy the unit for the original residual amount; (2) They can re-lease it either to own, or for an additional limited period; (3) They can upgrade to a new unit, or (4) They can simply walk away with no further obligation.

There’s also a very special feature to the SPARTA Flex Lease that’s unique in the marketplace– the “Early Upgrade.” The Early Upgrade opportunity applies when a customer has established a satisfactory payment history with us, and would like to get on a new vehicle before his/her lease contract expires. This means that as an authorized SPARTA dealer, you’ll be able to move more units more often…and generate greater customer loyalty! The Early Upgrade can occur after 2 years on a 3 year lease; after 2 ½ years on a 4 year lease; and after 3 years on a 5 year lease – without penalty! We believe that with the Early Upgrade feature, the SPARTA Flex Lease is the best and most aggressive finance program available. And, we think you’ll agree.

The SPARTA Flex Lease is available for virtually any motorcycle over 600cc’s. Residuals are almost always at least 40%, and as high as 65% of MSRP, depending on the unit. And the SPARTA Flex Lease can cover both new and used vehicles, with Harley Davidsons up to 7 years old and all other major brands up to 5 years old.

SPARTA PURCHASE PLUS

SPARTA also offers a “Purchase Plus” program that is designed expressly for customers who definitely want to own the vehicle at lease end. This program normally carries an 11% residual and has an initial term of up to 60 months, making it function similar to a retail installment contract. At lease end, the customer also has the option to pay off the residual balance over several additional months.

SPARTA SPORT LOAN

The SPARTA Sport Loan is our traditional retail installment finance product, but with the same liberal credit criteria that so many dealers want. We developed the Sport Loan specifically for those customers who are determined to “own” their vehicle immediately, and because we want our dealer network to have the best choice of financing products from one source…SPARTA. Click here to see if the SPARTA Flex Lease, Purchase Plus Lease, or Sport Loan are available in your state now.

Note: Dealer must provide all required stipulations prior to funding on all transactions.