need help on financing guys
Stellar HDF Member
Joined: Nov 2005
Posts: 3,272
Likes: 83
From: Southern California
An '05? Banks like Chase, BofA and Wells Fargo should carry paper on that. Check with them. Credit Unions are good options also. Don't put it on a credit card or go with a finance company....generally speaking their terms are the worst.
Road Captain
Joined: Apr 2009
Posts: 566
Likes: 4
From: First State
Road Captain
Joined: Apr 2009
Posts: 566
Likes: 4
From: First State
If you can find a credit union that is open to anyone it only takes a few dollars to deposit to be a member. My credit union had the lowest interest rate in town, much lower than the H-D dealer. I wouldn't recommend using a credit card as they charge interest on a compounded basis.
No copycatter 
Road Captain
Joined: Mar 2008
Posts: 525
Likes: 0
From: Florida
If your credit is great, get a credit card with a 3/6 month 0% interest rate. Better yet, if the bike is used pay CASH.
Road Warrior
Joined: Jun 2009
Posts: 1,370
Likes: 133
From: Epping, NH
Try your insurance company. Many now have a internet bank associated with then and the rates are competitive. State Farm has better rates than my main banking institution by a decent margin. Anyone's rates are better than HD's. I don't believe B of A does bike loans.
Road Master
Joined: Mar 2007
Posts: 874
Likes: 0
like most have said, join a credit union
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Ultimate HDF Member
Joined: Sep 2005
Posts: 8,641
Likes: 26
From: Ozark Country
Guess my opinion goes 'against the grain', but then again I don't believe in credit (and interest), especially for stuff that most would consider a luxury item.
I'd recommend saving your money until you could buy something the old fashion way, paying cash...
There are thousands of excellent condition, low mileage Harleys out there, and if anything the used bike prices continue to fall.
You would also be surprised (at least from my experience) in how much lower than 'asking price' a person will be willing to go if you make them a firm cash offer....
Anyway, just my opinion as I'm not a finance or credit person, and good luck with whatever you decide to do...
I'd recommend saving your money until you could buy something the old fashion way, paying cash...
There are thousands of excellent condition, low mileage Harleys out there, and if anything the used bike prices continue to fall.
You would also be surprised (at least from my experience) in how much lower than 'asking price' a person will be willing to go if you make them a firm cash offer....
Anyway, just my opinion as I'm not a finance or credit person, and good luck with whatever you decide to do...