Question regarding HD Finance
Road Warrior
Joined: Aug 2008
Posts: 1,475
Likes: 70
From: Sierra Foothills, California
Go to a credit union. Then walk into HD with written pre-approval from that credit union. It most likely will be a lower rate than what HD first quoted you. Then watch the HD (Eaglemark) rate magically get lower... they will try to beat that rate. If they can't, then you still have a lower rate than what they can provide you. Bottom line... They want that interest, make them work for it.
And incidentally, it's not a toy to some people. I didn't work for twenty years toward buying a "toy". It is part of my soul and holds much more importance to me. I intend on keeping my bike for as long as I can ride it, then i'll probably trike it. As a matter of fact, I wouldn't call any of our vehicles "toys". They all serve a very definite purpose. Otherwise, we wouldn't have put out the money to buy and maintain them.
It may be just a toy for some, that's fine, but not everyone feels that way about their bike.
Good luck on your purchase.
And incidentally, it's not a toy to some people. I didn't work for twenty years toward buying a "toy". It is part of my soul and holds much more importance to me. I intend on keeping my bike for as long as I can ride it, then i'll probably trike it. As a matter of fact, I wouldn't call any of our vehicles "toys". They all serve a very definite purpose. Otherwise, we wouldn't have put out the money to buy and maintain them.
It may be just a toy for some, that's fine, but not everyone feels that way about their bike.
Good luck on your purchase.
Road Master
Joined: Nov 2014
Posts: 756
Likes: 144
From: Burleson, TX
HDFS beat my credit union (American Airlines CU), I was shocked honestly.
The thing that irks me about Harley financing is they charge me a f$cking service charge to pay my bill. It's only a few bucks and I'm sure it was in the fine print somewhere, but I agreed to $x per month, not $x plus $5 per month.
The thing that irks me about Harley financing is they charge me a f$cking service charge to pay my bill. It's only a few bucks and I'm sure it was in the fine print somewhere, but I agreed to $x per month, not $x plus $5 per month.
Elite HDF Member
Joined: Mar 2014
Posts: 4,214
Likes: 661
From: Prior Lake, MN
What method of payment are you using? I'm not getting charged any service fees, I send them a check every month. Call them and ask about the fee. One thing I find interesting is that they reduce my next payment when I pay more than the agreed monthly amount. I've put in enough extra so that now I get a statement with a zero payment due. I've never seen this before, even when I've paid ahead of the scheduled amount they still ask for the agreed payment each month
Seasoned HDF Member
Joined: Jan 2007
Posts: 20,616
Likes: 4,440
From: anacoco, la
HDFS beat my credit union (American Airlines CU), I was shocked honestly.
The thing that irks me about Harley financing is they charge me a f$cking service charge to pay my bill. It's only a few bucks and I'm sure it was in the fine print somewhere, but I agreed to $x per month, not $x plus $5 per month.
The thing that irks me about Harley financing is they charge me a f$cking service charge to pay my bill. It's only a few bucks and I'm sure it was in the fine print somewhere, but I agreed to $x per month, not $x plus $5 per month.
Novice
Joined: Nov 2014
Posts: 23
Likes: 0
From: Burke, VA
What method of payment are you using? I'm not getting charged any service fees, I send them a check every month. Call them and ask about the fee. One thing I find interesting is that they reduce my next payment when I pay more than the agreed monthly amount. I've put in enough extra so that now I get a statement with a zero payment due. I've never seen this before, even when I've paid ahead of the scheduled amount they still ask for the agreed payment each month
Thread Starter
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4th Gear
Joined: Dec 2014
Posts: 8
Likes: 0
From: Cameron NC
Well craptastic... my CU stopped financing bikes last year (State Employees) so that option went down the crapper. I feel like I have a decent deal going on a bike... and I'm approved for it... but like everyone else has said.. the interest rate is out of control. I don't have perfect credit... and I don't have horrible credit... I just can't see paying more than 10% on anything even with small imperfections on a credit score. I understand it's a "pleasure" titled machine and may be different than having an automobile but dang. Still have another route to go.... maybe.
Outstanding HDF Member
Joined: May 2006
Posts: 2,581
Likes: 6
From: Deer Park, Texas
Most Dealerships will even do a "Buyers assist." Find a bike from a private seller and they will still finance. I bought a 2003 Roadglide like that. They will even sell you a warranty. I have had the best luck with my Credit union but to each their own.
http://www.harley-davidson.com/conte...financing.html
http://www.harley-davidson.com/conte...financing.html
Last edited by ROLLNTIGER; Dec 15, 2014 at 08:30 PM. Reason: added link
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Road Warrior
Joined: Aug 2008
Posts: 1,475
Likes: 70
From: Sierra Foothills, California
You can always join another credit union that finances bikes. Shop around! I belong to a credit union, but I joined another one just to finance my car because their rates were better. I just opened a savings acct. with a little $$.