Hi,
Just wondering where you would recommend to finance a used Harley. I have excellent credit and don't want to get hosed with fees and poor interest rates. I don't belong to a credit union.
I hear Harley's financing isn't all that good?
Thanks!

 

Credit Union is your bet.

 

x2 ... you can typically join with a minimum opening balance.

 

Do you own your car/truck? Refinance it and use the money to buy your bike, rates are much better for an auto loan, many won't finance a bike.


Just an idea

 

Looks like you have already been given some good ideas to work with, good luck.

 

Harley (Eaglemark) can be good,they seem to have promotions for different bikes at didderent times. Also, if you are buying from a dealer, they should have financing sources other than Harley.

 

x3, credit union is your best bet. I bought mine 10 years old, and got a rate of less than 3%.
I got such a good deal at the credit union, I refinanced both my cars through them the next day!

 

I have good credit - got 4.99% from Eaglemark in June. Not horrible, but not awesome. Used them off the bat to make the purchase easier. Should be able to get 1.99% at my Credit union, just haven't done the legwork to do the re-fi.

Only thing to watch out for - my CU will only finance bikes 5 years old or newer, unless it's a Harley, then they will go as old as 7 years.

 

I ended up going through my credit union. The best Harley/Eaglemark could do was 4.99% AND they charhe a $299 BS fee, plus they wanted $150 for the agency to handle the registration/title. Moreover, the seller wouldn't get his money until a day or two after the transaction, because the title has to be sent off first. Understandable, but not very comfortable.


3.99% for 63 months with my credit union, no fees and a cashier's check made out to the seller within 24 hours after a notarized bill of sale has been executed.


Thanks for all the input.


Now on to finding the right Road King

 

Sounds good, but if I am the seller in a private sale, I am not signing a Bill Of Sale and waiting 24 hrs for the cash. I would be very suspicious.