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.
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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

    Rates last updated November 18th, 2018

    Reveal your potential loan offers and rates

    Answer two quick questions to filter the loan offers and get the best one for you.

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    Finally, select where you live.

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    Experian logo

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    Unfortunately, none of the personal loan providers offer loans for that credit score. If you are in urgent need of a small loan, you might want to consider a short term loan.
    Name Product Product Description Min. Credit Score Term of Loan Requirements
    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.
    300
    Varies by lender
    Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
    Auto Credit Express Car Loans
    Get connected with an auto lender near you, even if you have bad credit.
    300
    Typically 3 to 6 years
    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.
    LightStream Auto Loans
    Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.
    Good to excellent credit
    Flexible terms
    Good or excellent credit, enough income or assets to afford a new loan, US citizen or permanent resident, 18+ years old
    RateGenius Auto Loan Refinance
    Connect with a network of over 150 lenders to refinance your car loan.
    510
    Varies
    Income of $2,000+/month, vehicle has less than 150,000 miles, no older than 10 model years, loan balance is at least $10,000, debt-to-income ratio: less than 50%.
    LendingClub Auto Refinancing
    Lower your monthly car payments and save on interest through a fast and easy online application process.
    Fair or better credit
    Minimum of 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.
    MotoRefi Car Loan Refinancing
    A car loan connection service for borrowers looking to refinance.
    525
    1–6 years
    Must have an income of at least $2,000/month and have a vehicle with less than 100,000 miles.
    LendingTree Auto Loans
    Compare multiple financing options for auto refinance, new car purchase, used car purchase and lease buy out.
    Good to excellent credit
    Typically 1 to 7 years
    Must be a US citizen and 18+ years old. Must have good to excellent credit.

    Compare up to 4 providers

    Rates last updated November 18th, 2018

    Reveal your potential loan offers and rates

    Answer two quick questions to filter the loan offers and get the best one for you.

    Select your credit score range

    I don't know my credit score

    Finally, select where you live.

    To get your credit score:

    Experian logo

    Experian is a leading provider of personal and business credit reporting. Find out your FICO score now for less than the cost of a cup of coffee.

    Unfortunately, none of the personal loan providers offer loans for that credit score. If you are in urgent need of a small loan, you might want to consider a short term loan.
    Name Product Product Description Min. Credit Score Max. Loan Amount APR
    Monevo Personal Loans
    Quickly compare multiple online lenders with competitive rates depending on your credit score.
    550
    $100,000
    3.34% to 35.99%. (fixed)
    Credible Personal Loans
    Get personalized rates in minutes and then choose a loan offer from several top online lenders.
    Good to excellent credit
    $100,000
    4.99%–36% (fixed)
    LendingClub Personal Loan
    A peer-to-peer lender offering fair rates based on your credit score.
    660
    $40,000
    6.95% to 35.89% (fixed)
    SoFi Personal Loan Fixed Rate (with Autopay)
    No fees. Multiple member perks such as community events and career coaching.
    680
    $100,000
    6.99% to 14.87% (fixed)
    NetCredit Personal Loan
    Check eligibility in minutes and get a personalized quote without affecting your credit score.
    550
    $10,000
    34%–155% (Varies by state) (fixed)
    Marcus by Goldman Sachs Personal Loans
    Consolidate your debt or pay off large expenses with competitive rates and no fees.
    Good to excellent credit
    $40,000
    6.99% to 24.99% (fixed)
    Even Financial Personal Loans
    Get connected to competitive loan offers instantly from top online consumer lenders.
    580
    $100,000
    4.99%–35.99% (fixed)
    Avant
    Conveniently check your loan options without affecting your credit score.
    580
    $35,000
    9.95%–35.99% (fixed)
    OneMain Financial Personal and Auto Loans
    An established online and in-store lender with quick turnaround times. Poor credit is OK.
    Varies
    $30,000
    16.05%–35.99%* (fixed)

    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.
    LendingClub Peer-to-peer loans with affordable rates. Turnaround time can be up to seven days.
    Even Financial Comparing multiple offers from reputable lenders.

      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

      Image source: Shutterstock

      Elizabeth Barry

      Elizabeth is an editor for finder.com.au specialising in personal finance and fintech. She enjoys reading PDSs so you don’t have to.

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