Yup, let the dealer think you are gonna use HD financing, and that they are gonna make money off you by financing it thru them. Then when the price of the bike is negotiated, pay in cash.
Interesting don't know if it'll be the case across the board ... but time's are changing play it by ear and try working one dealer against the other. Oh nice looking bikesI think that philosophy is more effective in boom times than it is now. I think the opposite is the better route right now.... the number one priority for these dealers right now is cash flow. They can't easily sell their paper now, so a financed deal isn't as sweet for them as a deal that goes 100% direct to immediate cash flow. (Buffet foundation recently bought 600mil$ of Harley paper at a pretty substantial discount...no extra $$$$ made there).
I month or so ago, I bought a '09 FLHRC for approx $1600 under MSRP and I think the reason they took the deal that they told me for an hour and a half that they "couldn't", was because they knew it was a clean no trade cash sale. I actually walked out the door still $700 apart and they stopped me in the parking lot. Strange times.