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?

Answer
“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.”
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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.
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