Filled out the app at the dealership. Approved for 21,000 with 5% down. Rode out with a brand new 07 Dyna Wide Glide that I added exhaust,air cleaner,pwr comm.,quick detach sissy bar and luggage rack before I left. I paid 357 a month for 5 yrs.I didnt use the full approval amount and cant remember the interest. I later broke my leg and outta work for a yr. Had multiple surgeries and therapy. Went on disability which was 200 a week. I stayed in touch with eaglemark and explained everything. One time I was 2 months behind.

Caught it up with tax refund and later got behind 3 months. They never threatened me or took my bike. They worked with me and all this happened after making 8 payments on time. They always answered the phone and were professional and understanding. I do know the sales people can adjust everything with your deal and help you or hurt you in getting financed, your interest rate and your down payment. I have a friend now not then that works at a dealership as a salesman and he told me that not long ago. He also says go when sales are low or at the very last few days of the year to get them to work for you. This way they bend over backwards to sell a bike or car.

At the end of year the dealership doesnt want to pay all the money for the new bikes to HD or taxes. They get the bikes and have a certain amount of time before they have to pay HD for them and this is ussually by the time the new model year has hit the floor or right after.Otherwise they will rip you off if they can.

I dont even think Eagle Mark knows what there own requirements are to approve financing.

I finnally got a job in may. I.was two payments behind. I called h.d credot and keep them up to speed whem o can send them a payment. im a truck driver and on the road. They sent someone to my house and took the bike and auction it off. H.d told me they got only six thousand dollars for a 2007 lowrider with nine jumdred miles on it. Try to find a haley for that price. They are crooks think again before you go to h.d creadit

If you really had to you could buy something to just get your knees in the wind in just a few months, and ride it for a year and a half or so. To make saving a little more tolerable. I’ve been scraping and saving and doing without alot for a long time but I’m almost ready in about 8 months.

I’ll have $22k for my new streetglide. Although I might just get an 09′, if I can find one for around 16k or so with low mileage. Just save. Their will not be any feeling that would compare to telling the finance guy, “you don’t need him!” trust me. Ride safe!

It’s also up to the “finance guy” to get set your interest rate, NOT the bank! So if you get raped on the intrest rate, it’s no one’s fault but your own! Don’t be afraid to haggle with them on the interest rate, if they say they can’t get it any lower! Simply say “Thanks, but No thanks” and walk away from the deal! You are not doing anyone any favors by agreeing to a high interste rate but the bank and the finance guy’s bonus check!

Most of them know that people are willing to do almost anything to get what they want and they prey on that from the start. Anything above 6-8% is a ripoff and just extra padding in the finance guy’s pocket to pay for his new toy’s.

If you really want that Harley bad enough! Save up for it and but it out right! Work a few extra hours each week, do some odd jobs, trim your budget a bit or something and you’ll have the money saved up before you know it!

I didn’t hear back from Gainesville for 2 days and figured they couldn’t get me financed.. then on the 3rd day they called me and said they had my financing approved.. I was expecting a high interest rate.. they told me it was 6.9%!!! I was shocked.. I had already told them I would put a 10 percent down payment and they even told me I didn’t have to put that much down! ( I did anyway )

So, 2 days later I drove down to Gainesville to pick up my bike.. I was really nervous that I would get there and the terms would have changed or the price or something else bad.. I’m use to the back and forth BS you get with car dealerships.. anyway.. I walked in and found the salesman I had been talking to on the phone and email.. he got the paperwork started and before I was done the interest rate was down to 6.5% without me even asking!! there was NO haggling, no surprises, NOTHING.. I just signed the papers and the bike was mine..

If you want a new Harley and you’re even remotely close to Gainesville, FL.. I highly recommend them…

interest …………….404.29
principal……………19.54

If anyone reading this dont think that is true my email is *edit@hotmail.com I can show you some past statements.

I know what it is like to want a harley so bad you would do almost anything to get one BUT let me tell you DO NOT USE HARLEY-DAVISON CREDIT…. They could careless if something happends to you like you get laid off or hurt or whatever. They are not willing to even lift a pen to see if there is any way to refinace and make your interest rate low enough to drop the payment to help you keep a bike.

That means the world to you they would rather you give up your bike in my case i got hurt and have been laid up and can not work it has been over a year so far. I have found a way to send the crooks there payment every mounth and am hoping to keep the bike till I can get it refinanced.

My fellings about hd have changed they might as well move to china and be the compney they act like they sure dont care about anyone here in the usa and you dont have to take my word for it just read some of the coments here and all over the net. I hope to see them go belly up soon the shape there in now you think they would want to keep all the faithfull custermers they have but they perfer to rob you till they get your bike back or you find a bank to refince you.

If any wants to buy a 2008 fxstc softail custom for 15,594.20 email me lol and that price is after i have paid on it for 3 years.

I know what it is like to want a harley so bad you would do anything to get one but when something happends to you like it did to me and you are unable to work they could careless they will not lift a pen to help you out if anyone that reads this dont beleve the #s i put there and want to see some of my statements your self my email is wa1nxi@hotmail .com so there you go mike miles you want to take over my nightmear we could probley work it out lol

mike whelpley

I paid off my first one and then he bought HIM a bigger bike. WE PUT 10% DOWN AS IT WAS A $23,000. BIKE. Got decent pmts.that we can afford with 6 kids at home. We are not profesionals…doctors or anything like that…just working joes.

Our dealership…gainesville fla. harley has the best group of people you could ask for!!! They help us in everyway until we are ALWAYS SATISFIED!!!

IF YOU LIVE NEAR HERE AND ARE LOOKING FOR A BIKE TELL THEM YOU READ WHAT I WROTE HERE AND I CAN ASSURE YOU THEY WILL HELP YOU AS BEST THEY CAN!!! ONCE YOU BUY FROM THEM THEY TREAT YOU LIKE FAMILY…NOT JUST A CUSTOMER!!!!!!

Harley Davidson just wants to sell their bikes to rich, wanna be, weekenders. They sell a bike to a doctor, they know the doc’s wife is going to buy a shit load of clothes to go with it.
If you want it bad enough, you’ll find a way. Or just try Victory. They have a much better quality bike.

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.

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 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!

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

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

Can I get a Harley?

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 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.