This bike was bought new in October 2016. It is in like new condition with only 752 miles. If you don't have the cash and need to do financing there is an option through most local Harley dealers. It is called Harley-Davidson Rider-to-Rider Financing Program. Here is the link with the details http://www.harley-davidson.com/content/h-d/en_US/home/owners/financing-and-insurance/private-party-financing.html The bike is completely stock. Also it comes with the "REV UP" package that can be used for a free 1st 1,000 mile service from Adventure, Rubber City, Mad River, or Rock-n-Roll City Harley-Davidson. I am firm on the price due to needing payoff on my loan. Reason for sale is because we had to buy a new car that we have to make payments on.