Will Harley-Davidson finance me for a motorcycle if I have limited credit history?

I've always paid cash for my motorcycles. Recently, I saw a new hog that I want to purchase, but I have limited credit history. Will Harley-Davidson finance me if I have limited credit history?

“Harley-Davidson may approve you, but with limited credit, you can expect a relatively high interest rate to start.
Before you go to Harley-Davidson for financing, you may want to go to your bank or credit union for a motorcycle loan. Getting a preapproval can help you budget and see what your offer would be.
If you don’t get approved or aren’t happy with what your bank is offering, apply with Harley-Davidson. Harley’s finance department often works with those who have lower credit. Since you have limited credit, they may be willing to work with you.
Keep making payments, and within a few months to a year, you can refinance to get a lower interest rate.
Since you’ve bought motorcycles before, you are probably already well-versed in looking for motorcycle insurance. If you want to simplify the process of adding a new bike to your policy, consider giving the free Jerry app a try.”
Eric Schad
Answered on Aug 12, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free