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?

Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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
. 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
app a try.”
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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