Credit union for sure, HD was 7%, credit union is (was) 2.35 % when i purchased

 

The $3 fee is for paying online. I have set up auto payments as you have mentioned and am not charged the $3. The other option is to send in payments via mail.

 

Rick58 - thanks. Absent seeing his contract, I could not be specific. So, I was forced to share my comments in general.

As you mentioned, you set is the way I suggested an avoided the charge.

Perhaps one day there will be a section where we can share some financial information and/or other ways to save money.

Example - I am headed to Florida soon as well as Texas. All of my hotel stays are covered by hotel points. When we look at the many opportunities, we can all save lots of money (and of course have more to spend on our bikes)

 

Since when does .99% financing on a 5 year loan suck?

 

I got .99% financing with Harley credit..and no $3 a month service fee.

credit union could not beat it.

 

Use your bill pay option through your local bank, and you won't be charged that $3.00

I pay all my bills through my banks bill pay service, and there is never a charge.

Using HD finance website to pay online, and they will charge you

Exactly this!
You are sending money out of your account when and to who you direct.
HD is not coming in and taking money out.



Finally HD finance does not suck if you have good to excellent credit.
They have always beat or matched any rate I've been able to get elsewhere.

 

I don't recall CSTALK0420 sharing who his fiance source is - maybe Harley or some other financial services organization.

He is in Florida so, hopefully he is out riding. I am sort of stuck inside here in Michigan with this cold weather - but, will head down to Florida in late March to ride for a few days.

Hope this very insightful thread can help him - and any others.

 

Harley credit is just as competitive as any other source, unless your credit isn't good.
If you got .99% your credit is very good.

Some lenders will simply deny loans to those with marginal credit, Harley offers financing to more customers, and charges higher interest for the higher risk. Helps the dealers move bikes.

You won't incur any additional fees if you don't use their website to make online payments, they are simply, and rightfully, passing along the fee incurred by whatever 3rd party service they use to collect online payments. A very easy fee to avoid.

 

Did you get .99 on a 17 ?, Offer for 16 and 15 will probably run a lot lower to move older bikes out,. My credit score is around 800 I was offered 6.99 in 2014 by HD, got 2. Something at credit union

 

That's ridiculously high..... With Tier 1 credit I don't see HD offering anything higher than 3.99%