Stick with the company you know and trust.
We are the motorcycle experts, so naturally Harley-Davidson® Credit finances more motorcycle loans than any other lender.

You want to own a Harley-Davidson® ® motorcycle, but you don’t have the cash to buy it outright. Financing through Harley-Davidson® Credit enables you to pay over a period of time. We offer flexible repayment options and specialized financing for all credit types. Your local Harley-Davidson® dealer will customize your financing based on your needs. Since we are open when your dealership is, financing can be arranged on the spot.

New or used motorcycle?

Through Harley-Davidson® Credit, you may finance the motorcycle of your dreams—new or used models dating back to 1903.

Shouldn’t you have it all?

We think you should. The full Harley-Davidson® experience includes the motorcycle, the clothes, the accessories and the security of knowing you and your motorcycle are protected. Items you may finance in a motorcycle loan include:

• MotorClothes® apparel
• Parts and accessories
• Harley-Davidson® ® Extended Service Plan
• Harley-Davidson® Cycle Insurance
• Payment Protection Plan
• Financial Protection Plan

Best of all, everything you need is financed in one loan, so you will have one monthly payment.

What to bring to the dealership.

To process your loan quickly, please bring the following items with you:

• Completed loan application
• Drivers license
• Down payment (minimum 10%)
• Trade-in vehicle with title, registration and/or payoff information (if applicable)

All credit applications are subject to approval by Harley-Davidson® Credit.

 
Frequently Asked Questions

Q: How long will it take Harley-Davidson® Credit to provide me with a decision on my loan application?
A: In most cases your dealer will receive a decision within one hour.

Q: How long is an approval valid?
A: Our credit decision is valid for 120 days.

Q: How will my credit decision be determined?
A: We look at your credit worthiness and your contract characteristics to determine our credit decision.

Q: What is credit worthiness?
A: Credit worthiness consists of your credit history (i.e. how you’ve paid previous credit obligations), your ability to pay your loan obligation, employment history and residency stability.

Q: What are contract characteristics?
A: Contract characteristics are the structure of your debt obligation (i.e. amount financed, down payment and monthly payment).

Q: How will my interest rate be determined?
A: Harley-Davidson® Credit determines interest rate on levels of risk. Risk levels are based on your credit worthiness.

Q: When will I know the interest rate?
A: When your loan application is approved.