Bad Credit Harley Davidson Finance
Owning a Harley Davidson is part of almost every man’s dream. But if you currently have a bad credit rating, it might be difficult to get financing for your very own Harley Davidson. Because of your bad credit background, most lenders will not be willing to work with you in acquiring loans you can use to finance your Harley Davidson. Also, a motorcycle loan is considered as a higher risk investment for lenders, unlike an auto loan, which makes it even the more difficult for you.
Fortunately, you still have options. There are certain banks and companies that are willing to grant you bad credit Harley Davidson finance so you can own the bike of your dreams.
There are many ways for you to buy a Harley Davidson, whether you have good credit or are looking for bad credit Harley Davidson finance. If you are seeking to buy a new Harley Davidson, then it would be recommended for you to start your Harley financing search through the dealership where you are looking for your Harley. Most, if not all, Harley dealers can give you competitive rates and additional financing for you or your bike’s gear and customized items.
If you have bad credit, don’t stress it out too much. There are those Harley Davidson finance people that offer the “Delta Program”, where they help give bad credit Harley Davidson finance to people with weak credit. There are some requirements if you want to avail of bad credit Harley Davidson finance.
You will have to have a regular job, steady source of income, and proof of residency. If you are tired of being turned down because of your bad credit, then approach your HD dealer and ask questions regarding this program so you can learn more on how to get bad credit Harley Davidson finance.
Another type of financing for Harley Davidson is through a Private Party deal. You can get financing if you plan to buy a used Harley Davidson from a certain individual. With this type of financing, you can still get the same low interest rates as with new Harley buyers, and can also include insurance in your package. And, if you are looking to buy a late model bike, you can even qualify for an extended service contract.
One place you can get comparison quotes for Harley Davidson is the Harley Davidson Financial Services. Visit their site and fill up some personal information in order to generate quotes. You can also fill an application online through their website. Since Harley Davidson does not provide private label credit card financing, your only alternative is to go for installment financing.
With all the options available for people with good credit and those looking for bad credit Harley Davidson finance,it is not impossible to buy that new or classic Harley Davidson of your dreams. Having bad credit does not have to stop you from owning your very own Harley. Approach the right people who can give you bad credit Harley Davidson finance and feel the Harley Davidson biking experience.
The fact is, if you don’t have great or perfect credit Harley will give you the finger. I asked about the Delta program and they just said I wasn’t eligible, even though I met all the criteria you mentioned.
I have a steady job making $72,000 per year, so I think I can afford it.
To make a long story short, I said screw it and decided to rebuild my 84 Honda Shadow instead.
At least when I’m done, the bike will run correctly, unlike a brand new Harley where you need to drop an additional $10,000 into a bike that already costs $15,000 in order for it to run the way its supposed to.
Wow I am surprised to hear this. Maybe it’s the bad economy right now or maybe there was something on your credit you didn’t know about?
I was just approved for a 40k car loan with 0% interest for 63 months. This is just proof that there are still great deals to be had out there so I would suggest an alternative lender.
Good Luck!
I think this second chance offer is stupid. My ex husband had 3 repos in the last 4 years. Today he got his BIG HARLEY repo’d…so make that 4 vehicles in the last 4 years. When will you lenders ever learn? The man never made the first payment. A sorry sack of shit will always be just that. Even when he steals a Harley for a few months.
Between my wife and I we net 3000.00 a month, gross 4500.00 which is about 60k a year. We had issues with or neighbors and a judge kicked us off or property, so our credits stinks even though we made all the payments.
Can I get a Harley?
Ok so I went to the Harley Davidson dealer tonight and my credit wasn’t good enough. It wasn’t a fast rejection but eagle mark said I needed a co-signer. I have a grand to put dow….Have been with the same copany for 3 years and make 65k a year. My credit score is low. Like 570. What about me? Can I get a loan?
Guess I am screwed and gotta fix the leaking piece of crap!
Can you purchase a harley with a credit card? Just curious…
My credit situation is like if I’d robbed the federal reserve, and kidnap’d the pope… it symply stink! But i can afford a H-D cause it is not a big payment, I guess. I know with all the wonderfull things the promise here once you get there is another story.
My question is if they will reject me with a $4,000 downpayment, if I apply for the new sportster forty eight…. the MSRP is sightly over the 10K. (+ taxes and tag etc) minus the downpayment it will be around the $8,000… They will? If somebody from the finance dept. Read me and wanted to answer this cuestion, I’ll appreciate it a lot.
Thanks!
Luis Camacho
I am trying to get financing for a Harley Davidson motorcycle and came across your website. Hoping you may be able to help me.
Two years ago I went through a bad divorce that really messed up my credit and I have since then paid many of the lenders the full amount owed but these items are still showing on my credit report. Not sure what to do about that but I have less than good credit right now and would like to purchase a harley.
Please have someone contact me if you are able to assist me in this matter.
Thank you,
Donna
Hi fellas, it’s me again Luis Camacho.
I wanted to tell you my story at the Harley Davidson dealership yesterday 03-05-10. There was an event, celebrating the bike fest. A lot of beers, music, t-shirt everywhere…and everybody was happy! I found the bike I was looking for an Iron 883 and the price was perfect $7,999.00. So I thought it wasn’t going to be that bad if I apply for it, and by the way to know how considerable is H-D.
My credit is terrible but I thought with the half of the price as down payment would show them my interest of buying it, resulting a good proof of that I will pay the bike on time. I thought they were not going to pay much attention to it…. WRONG! I got ten years working in the same place, earning 34k a year, paying $280 in mortgage…yes I said $280!!! Own house… etc…
My advice to the next reader is to make sure your credit is almost perfect to fill the papers. I will be working with my credit in order to go in six months to try again. It’s incredible how they told me “NO” evaluating that they were going to finance me just 4k bucks… how much would it be monthly? 150? 200?…
So, if you don’t feel sure you are going to be financed, follow that feeling.
I hope to come later and tell you I got mine!
Good luck everybody and be safe!
Hey just reading the storyes here, thought I’d drop a line. I have built the last 3 of my own Harley’s, my wife got cancer a few years ago, (shes fine now) we had no insurance. I sold my last bike and all parts, no money now to build again. My credit is not good now when I tryed to get financed they told me to just save up the money. If any one knows where I can get financed please let me know, really want another bike good luck every one.
Good luck getting financing on a Harley in this economy. I have decent credit 700, a down payment and still couldn’t get approved. I’m not sure what they are looking for but it isn’t to sell bikes.
The problem with harley davidson is they are such a hot bike these days and are getting stolen by the dozen all over this country as we speak. As of getting a loan with harley? Forget about it! They are losing their asses of on these new bikes that they try and want to sell to the public.
My advice to anyone wanting a toy such as a harley to go invest in a older used harley softail and pay no more then 1300.no mater how good it looks and get finaced through your local credit union with money down or some type of collateral? Good luck and live the american dream!!!!!
I am interested in getting a loan for a used Harley Davidson that I found on Craigslist, I don’t want to borrow enough cash to buy a brand new one off the showroom floor, that’s just crazy!!! I just want to borrow around 9000.00, and pay back around 250.00 a month. I am on disability, and get a monthly check of 976.00… Plus I get a payment on a piece of property I financed in the sum of 550.00 a month, not to mention my wifes salary on her job. I would also be willing to put up another piece of property I have as collateral until I get the bike paid off…..BUT—-my credit sux a big one, what are my chances???
Way to many variables to say your best bet is to apply and see what happens.
My Husband just applied with Harley credit and got a approved for a loan for 21,000 for a new 2010 Harley with HD Credit. He has not so good credit when I say not so good I mean in the low to mid 500′s. – no repos just late payments from being laid off – BAD CREDIT CAN HAPPEN TO ANYONE! ( but he makes a salary in the mid 70′s) They wanted 10% down.
The interest rate was of course VERY HIGH at 22.9%. Looked to buy a used one instead and they advised him that a used one may not go through – Go figure? Harley Davidson has 7 tiers of credit that they consider……. If you have the down payment and CAN afford the monthly payment just apply. At many dealerships you can submit your app online.
i really want to buy a harley i was turned down by the dealer i can make the payment but need the chance to do so please help
Forget Eaglemark. I make over 100k and has fair credit, they denied me. So Iwent to my credit union. Not only was I approved I received 7.75% rate. I only had to put 10% down. Eaglemark can’t kiss my ***