Finance A Used Harley

The story of Harley Davidson USA — or Harley-Davidson Motor Company as it is also known — begins in 1903 with four young men building a single motorcycle in a small shed. Driven by a desire to understand and test internal combustion, the men built a motorcycle with an engine strong enough to last more than 100,000 miles — under the operation of five owners. The following year, C.H. Lang of Chicago, IL, opened a dealership and sold one of the first three-produced Harley-Davidson motorcycles ever made. Today, new and used Harley Davidson motorcycles are sold all over the world. In 2010, the XL Forty-Eight was introduced worldwide. According to the Harley Davidson official website, the motorcycle reflects, “the raw, custom Sportsters of earlier days.”


1. Find a Harley Davidson used motorcycle dealer. A dealer locator tool is available on Harley Davidson’s official website (see Resources). Search by location or dealer name. Enter your city and state or ZIP code when searching by location.

2. Ask the dealer about finance options. Private-label credit card financing is a common option; however, this type of financing is subject to interest rate changes. A standard fixed installment loan is an alternative — and, in many cases, less expensive — option. Fixed installment loans are not subject to fluctuating interest rates, so you’ll save over the life of the loan.

3. Provide the dealer with a copy of your credit report or sign a consent form to allow the dealer to request, view and print your credit report.

4. Review the terms and conditions of the loan. Inquire about interest rates, late fees (in some cases, a late fee can trigger an interest rate increase), the length — or term — of the loan (i.e., when the final payment is due) and early payment restrictions. Rule 78 allows a lender to penalize a borrower for repaying a loan early.

5. Fill out a loan application and pay any applicable down payment fees and other processing fees.