Buying a Harley-Davidson? Your motorcycle loan guide | finder.com
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Compare loans for Harley-Davidson motorcycles

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Find a loan to finance your next Harley.

Heart set on a Harley? Buying one of these iconic bikes can be a considerable investment with some models over $30,000. Luckily, there are several loans specifically designed for purchasing a Harley-Davidson and it’s worth exploring finance brokers that offer specific loan packages.

Our top pick: car.Loan.com Car Loans

  • Min. Credit Score Required: 300
  • APR: Varies by network lender
  • Requirements: Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
  • Easy online application
  • Fast response time
  • Bad credit, no credit OK

Our top pick: car.Loan.com Car Loans

Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.

  • Min. Credit Score Required: 300
  • Requirements: Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
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How can I finance a Harley-Davidson?

Although standard car loans work similar to motorcycle loans, some lenders consider motorcycles riskier investments and will be unwilling to issue loans for your Harley-Davidson. You have a few different options when looking to purchase your new Harley.

  • Harley-Davidson financial services. Harley-Davidson offers financing to buy a bike along with parts and accessories. You can apply online or at an official Harley-Davidson dealer.
  • Personal loans. Many personal loan providers offer loans up to $50,000 and allow you to use your funds for any legitimate purpose, including buying a new motorcycle.
  • Recreational vehicle loans. Some online lenders, banks and credit unions also offer financing for recreational vehicles, including motorcycles.
  • Your bank. Your bank may offer motorcycle loans, but the eligibility criteria tend to be much higher than if you chose to go through an online lender or finance broker.

Compare loans to buy a Harley-Davidson

Updated May 23rd, 2019
Name Product Filter Values Minimum Credit Score Loan Term Requirements
300
Varies by lender
Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
SuperMoney Auto Purchase Loans Marketplace
SuperMoney Auto Purchase Loans Marketplace
600
1 to 7 years
Fair to excellent credit, an income source, US citizen or permanent resident, 18+ years old
Find an offer and get rates from competing lenders without affecting your credit score.
300
Varies by lender
Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada.
Get connected with an auto lender near you, even if you have bad credit.
Good to excellent credit
2 to 7 years
Good or excellent credit, enough income or assets to afford a new loan, US citizen or permanent resident, 18+ years old
Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.
Fair or better credit
From 2 years
Car must be less than 10 years old with fewer than 120,000 miles. Current loan must have a balance between $5,000 and $55,000 and at least 24 months left in its term.
Lower your monthly car payments and save on interest through a fast and easy online application process.
510
Varies
Income of $2,000+/month, vehicle has less than 150,000 miles and is no older than 8 years, loan balance is between $10,000 and $100,000, debt-to-income ratio is less than 50%
Connect with a network of over 150 lenders to refinance your car loan.
Good to excellent credit
Varies by lender
18+ years old, good to excellent credit, US citizen
Compare multiple financing options for auto refinance, new car purchase, used car purchase and lease buy out.

Compare up to 4 providers

Updated May 23rd, 2019
Name Product Filter Values Minimum Credit Score Max. Loan Amount APR
550
$100,000
3.99% to 35.99%
Quickly compare multiple online lenders with competitive rates depending on your credit.
680
$100,000
5.99% to 16.24%
No fees. Multiple member perks such as community events and career coaching.
640
$40,000
6.95% to 35.89%
A peer-to-peer lender offering fair rates based on your credit score.
Good to excellent credit
$100,000
5.34% to 35.99%
Get personalized rates in minutes and then choose a loan offer from several top online lenders.
620
$50,000
7.99% to 35.89%
Affordable loans with two simple repayment terms and no prepayment penalties.
550
$100,000
3.84% to 35.99%
Get connected to competitive loan offers instantly from top online consumer lenders.
550
$10,000
34% to 155% (Varies by state)
Check eligibility in minutes and get a personalized quote without affecting your credit score.
640 FICO®
$35,000
5.99% to 29.99%
A prime lender with multiple repayment methods.

Compare up to 4 providers

How should I compare my Harley-Davidson loan options?

You’ll need to consider multiple factors when finding a loan to finance your Harley. Knowing how much you can afford, how you want to make your monthly payments and the fees attached to borrowing will help you narrow down your search.

Whether you’re borrowing directly from Harley-Davidson or choosing a loan from a bank, review the interest rates and terms. How much will the loan cost? Will you be able to tackle the payment plan? Will you be able to afford the maintenance that a motorcycle requires? These questions should factor into your decision.

Like all loans, make sure you find a deal that doesn’t hurt your finances. The best way to do this is to do a side-by-side comparison of interest and fees. Once you’ve found the right loan, contact the lender and see if you qualify.

Looking at a used Harley?

You can use a personal loan if you want to purchase a used motorcycle. Here are some providers to consider:

Lender Best for…
OneMain Financial Personal and auto loans for people with a wide range of credit profiles. Must complete loan processing at a branch location.
Go to OneMain's site
LendingClub Peer-to-peer loans with affordable rates. Turnaround time can be up to seven days.
Go to Lending Club's site
Even Financial Comparing multiple offers from reputable lenders.
Go to Even Financial, Inc.'s site

    find motorcycle finance

    How much do Harley-Davidson motorcycles cost?

    A new Harley can cost anywhere from $7,000 to $35,000, depending on the type. It can cost even more if you want to customize it.

    Used Harleys tend to be cheaper, but you’ll want to do your quality checks to make sure it’s in good condition and well-maintained.

    What should I consider before I buy a Harley?

    Here are some of the things to consider when shopping for your Harley.

    • Secured or unsecured. If you’re considering a used Harley, some secured loans won’t accept a bike over a certain age.
    • The condition of the bike. If you’re buying from an individual, make sure you’re getting what was advertised. Make an appointment to inspect the bike for sale, and if you’re a novice, take along someone with some knowledge about Harley-Davidsons. Ask to see service records and guarantees for replaced parts.
    • Insurance. Whether new or used, a Harley-Davidson is an investment that should be covered with insurance. If your lender doesn’t offer insurance, ask about your options at a Harley-Davidson dealership. You can also look into independent motorcycle insurance policies.
    • Riding experience. If you’ve never ridden a motorcycle, it might be a good idea to start with something smaller. Take lessons and get some experience on a motorcycle before making a serious investment.
    • License restrictions. Your drivers license doesn’t qualify you to drive a motorcycles. You’ll need to apply for a specialty license before you take your Harley out for a ride.
    • Maintenance. Your Harley-Davidson will need to be serviced regularly. This is especially true of used models. Keep in mind the cost of maintenance when determining your budget.

    Frequently asked questions

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