HD Depreciation Debacle 2025
Tourer
Joined: Jun 2021
Posts: 307
Likes: 506
From: Saskatchewan Canada
It's a crappy situation. But you gotta look at a couple things. First, you may have only owned the bike for a year, but it is two model years old. Like it or not, that affects the resale value. Second, even though it is low milage, it is used, the dealer is going to have to sell it as a used two year old bike.
Add to that the current market situation, the fact that the dealer has to be able to still make a profit in this market, and that is why they will only give you ten grand.
My wife just picked up a two year old Street Bob for $14,999 Canadian, from our local dealer. That's $10,485 in US dollars. And it had 900 kilometers on it (560 miles). If the money is not there in the used market, dealers either have to offer less on trade ins or sit on bikes they can't afford to sell.
Like I said crappy situation. You'd be best off to just keep it and ride it.
Add to that the current market situation, the fact that the dealer has to be able to still make a profit in this market, and that is why they will only give you ten grand.
My wife just picked up a two year old Street Bob for $14,999 Canadian, from our local dealer. That's $10,485 in US dollars. And it had 900 kilometers on it (560 miles). If the money is not there in the used market, dealers either have to offer less on trade ins or sit on bikes they can't afford to sell.
Like I said crappy situation. You'd be best off to just keep it and ride it.
Seasoned HDF Member
Joined: Mar 2021
Posts: 18,471
Likes: 3,723
From: backwoods
https://www.harley-davidson.com/us/e...financing.html
Tourer
Joined: Mar 2023
Posts: 324
Likes: 179
From: Socal
I have not got a loan lately, but maybe you need to check your numbers
https://www.harley-davidson.com/us/e...financing.html
https://www.harley-davidson.com/us/e...financing.html
Seasoned HDF Member
Joined: Mar 2021
Posts: 18,471
Likes: 3,723
From: backwoods
5.5 is not a bad rate. Sure we got spoiled, but that had to end sometime. Still cheaper than it was 25 years ago
Auto and secured loans 4.8% at credit union
Last edited by Rounders; Feb 26, 2025 at 06:14 PM.
Cruiser
Joined: Jan 2020
Posts: 148
Likes: 79
From: New York
12% is high for good credit. I bought my '24 LRS last August, at 3.99%. Got a good trade-in price and I owe around $9k on it. Not selling so couldn't care less about resale value.
I'd say check with a few dealers before you despair.
I'd say check with a few dealers before you despair.
Seasoned HDF Member
Joined: Feb 2016
Posts: 8,015
Likes: 6,909
From: NC
Looking at my credit union (VyStar Credit union) the highest rate for a used motorcycle is just under 8%. I just looked at their website.
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Cruiser
Joined: Jan 2020
Posts: 148
Likes: 79
From: New York
Given how lousy motorcycle sales have been you can bet we'll see all kinds of schemes. I've even seen motorcycle leasing deals.
Novice
Joined: Feb 2025
Posts: 16
Likes: 2
From: Palm Coast, FL
I got my bike this month and had a conversation with them here in FL. The real spread is more like 7.5-10.5% then what they adversting online for motorcycles, at least from my conversation with a manager. They always put "from", but this "from" can always be adjusted and never to the lower side
Also I got an impression that they a bit afraid to finance relatively expensive motorcycles and see high risks there now and nervious about it's evaluation.Btw, their evaluation value of 2022 Street Bob ABS with color option and 2500 miles is ~$11.3k.
Don't say it all exactly like this, but that is from my personal latest experience. But yes, it's definitely possible to get loan with much beter rate then from HD, especially with at least 20% down.