hi
i want to know how i get financing with bad credit..i had to declare bankruptcy 2 yrs ago, no job for a year...i have now woked 2 yrs, going on 3rd on my present job...but financing seems impossible..i asked one dealer if i put a big down payment, he said it does not help....i own a honda shadow 750 ace, and thought i might try harley...i live in arizona, bike week now, and i seem out of place with my honda ace...and i love the sound of the harleys, espically in a group...nothng sounds better...anyhow..i found someone tha would..he has a 92 harley, fsxr,,,something like that...3400 downs, 280 for a month....for 24...that is insane,,,you pay double the blue book..but it would get ya a harley....high mileage,,68000

 

You should be able to find someone to finance you at a very high interest rate.
Or you could get a secured credit card, (card's limit held in the bank) and make small purchases and pay the balance every month to build your credit rating back up.

 

try online tampa harley and they will work with you and your credit and ship to a harley dealership close to you.

 

Might be tough, but you could try your local bank or credit union. Or you might have to build some credit and try later. Personally, I'd save cash until I could buy used with the cash you saved. Will feel better to own it out right.

 

i have credit cards now..bad interest....about $3000 worth....the bikes i like are about 8000, used.

 

The bikes aren't going any where.
Pay off the high interest credit cards first before thinking about going further in the hole.

 

Agreed, credit kills the fun in life. You might not die for real, but your freedom will die.



Bill collectors suck!

 

borrowing money to buy play things is not a good idea-even if your credit is good. save your money and pay off those high interest credit cards. that honda will work just fine until you can afford to pay cash for a good used harley.

 

save your money, ride what you have and enjoy it.

get what you want later.

 

Definately agree to pay down bills but I know some people make great money and still have crap credit due to divorce etc... So if money isn't a problem most harley dealerships can work it out with HD financial. It's their own credit company and I've seen sales people work out deals with bad credit. If you can get a co signer you would be golden. But you are gonna pay high interest like 19 to 23 % .