H-D Approval for loan
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Tourer
Joined: Feb 2013
Posts: 293
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From: Denver, co.
H-D Approval for loan
Hello all, i just put in an application over HD website where i make my pymts for my current bike, it came back approved for 20k and some change, but it doesn't give me a % rate, so how d i know what it is or do i have to discuss that with the dealer? Thanks
Seasoned HDF Member
Joined: May 2012
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From: Carlsbad, CA
If you have decent credit, you can get a better deal at a credit union.
But, to answer your question. You won't get the % until you negotiate a deal at the dealer, then meet with their finance person.
But, to answer your question. You won't get the % until you negotiate a deal at the dealer, then meet with their finance person.
Thread Starter
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Tourer
Joined: Feb 2013
Posts: 293
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From: Denver, co.
so can i call Harley and ask them or just deal with the dealer on that? last time i checked my score was around 700
Seasoned HDF Member
Joined: Jan 2007
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From: anacoco, la
you won't know unless you check. it's good to have a backup though. that way if you go in and they offer you 7%, you can hit them up with 'my cu is offering 3.5%'. with eagle mark, you are approved for a tier. that means your rate is from x to y. anything above x, the dealer gets a slice of. so it behooves them to get you closer to y.
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Tourer
Joined: Feb 2013
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From: Denver, co.
not necessarily. when i bought my cvo, eagle mark (hd's lender) gave me 1.9%. my credit union was 6.4%, and the local credit union was even higher.
you won't know unless you check. it's good to have a backup though. that way if you go in and they offer you 7%, you can hit them up with 'my cu is offering 3.5%'. with eagle mark, you are approved for a tier. that means your rate is from x to y. anything above x, the dealer gets a slice of. so it behooves them to get you closer to y.
you won't know unless you check. it's good to have a backup though. that way if you go in and they offer you 7%, you can hit them up with 'my cu is offering 3.5%'. with eagle mark, you are approved for a tier. that means your rate is from x to y. anything above x, the dealer gets a slice of. so it behooves them to get you closer to y.
is it easier to get a lower rate on a new bike vs used?
now i know why i've always hated shopping for a vehicle!
Last edited by betho61; Jan 3, 2018 at 12:05 AM.
Tourer
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From: Desloge missouri
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From: PA
HD Eaglemark gave me 0.9% for 60 months on my 2015 RGS. Oh and that was with ZERO money down.... There aint a bank nor credit union in the country that could match that.
If youve got a decent tier 1 credit score or had loans through them before on other bikes with no issues they will give you a competitive rate.
Its the guys with a 540 credit score and $10,000 upside down on their old bikes that get raked over the coals as they should......
If youve got a decent tier 1 credit score or had loans through them before on other bikes with no issues they will give you a competitive rate.
Its the guys with a 540 credit score and $10,000 upside down on their old bikes that get raked over the coals as they should......
