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- The SPARTA Flex-Lease
- The SPARTA Purchase Plus
- The SPARTA Sport-Loan
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- This presentation is intended
to familiarize consumers with the various financing products offered by SPARTA Commercial
Services, the only independent financial services company in the country
dedicated to serving powersports enthusiasts, and the powersports
industry. These SPARTA products will help you decide what type of
financing best suits your budget and your desires.
- SPARTA will lease or finance both new and used bikes of virtually any
make and model over 600cc’s, listed in the NADA motorcycle guide. We also lease or finance “utility”
type ATV’s and some scooters.
- SPARTA offers a liberal credit policy that’s unique in the
industry. Unlike most other
lenders, SPARTA recognizes that circumstances can sometimes skew a
credit review unfairly. That’s
why we assign a live credit analyst to every questionable application,
trying our best to put you on the vehicle of your dreams.
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- Provides the broadest array of financing options on the market:
- retail installment sales contracts, leases, and private label programs
- Sparta knows the Powersports market
- Substantial industry experience and residual studies
- Focused underwriting: 600cc+ motorcycles, 4-stroke ATVs, select
scooters
- Point of sale contract completion in as little as 20 minutes
- High quality customer service : 24/7/365
- Ability and knowledge to effectively resell units
- Over 50 years of combined experience in motorcycle financing
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- This is our preferred product,
because it offers more benefits than any installment loan contract,
including our own Sport-Loan. With terms of 24 to 60 months, the SPARTA
- Flex-Lease offers 4 options at
the end of the lease:
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- With the SPARTA Flex-Lease, you can…
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- Every Flex-Lease includes a “residual” that’s excluded from the purchase
price of the unit when the monthly payment is calculated. The residual
amount is the anticipated value of the vehicle at lease-end, and is
usually at least 40%, and as much as 65%, of the original purchase
price, depending on the unit. This means that on a vehicle that costs
$10,000, you will be making payments that reflect, at a maximum, only
$6,000 of that amount, plus the cost of funds, on a 2- to 5-year
lease. And that means a lower
monthly payment than an installment loan for that vehicle, with the same
cost of funds, over the same period of time.
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- The SPARTA Sport Loan…
- For those customers who prefer installment financing for the purchase
of their new or used vehicle, we also offer the SPARTA Sport-Loan, with
competitive rates, excellent terms, and the same liberal credit
policy…all of it designed especially for powersports enthusiasts. Our commitment to personalized
service is the key to our success, which is why we’re proud to say
that, with SPARTA, the difference…is personal!
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Notes