Harley-Davidson® Financing

If you've decided you want to finance your new Harley-Davidson® motorcycle, you're not alone. Seventy percent of enthusiasts do. With a minimum down payment and approved credit, you can arrange credit financing with us and get out on the road a few hours after picking out your Harley-Davidson® motorcycle.

Plus, you can add in all your parts and accessories, apparel, insurance and more. You'll have everything you need, and you only have to make one monthly payment.

And because we finance more Harley-Davidson® than anyone else, we understand your special needs. Only someone who knows how you feel when you hit the starter button understands that hitting the road ASAP is your biggest concern. That's why we make it easy.

Talk to Heart of Dixie Harley-Davidson® about financing your Harley-Davidson® motorcycle with credit, and get out on the road today.

Apply for Credit with Our Dealership!

There's no need to waste your whole Saturday filling out loan paperwork! We offer financing through our online application with finance professionals on staff to provide the most affordable payment plans. 

By filling out the secure online form, you'll help us start to create a personalized finance package for you. After that, we'll gather a bit more information so we can ensure you're getting the best possible deal. If you are unable to finish the full application process at this time, we may reach out to see how we can help.

Rest assured, we've put measures in place to ensure your loan application and identity are secure, confidential and safe from identity theft. And we'll never provide your personal information to third parties.

Be sure to check out current Harley-Davidson promotions as well. Then let's get started getting you on a new bike!

Harley-Davidson Flex Financing

An alternate way to purchase your next H-D® motorcycle that combines the benefits of attractive monthly payments and the ability to return your motorcycle at the end of term, similar to a lease.

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Harley-Davidson Insurance

Affordable insurance coverage from the name you trust.

Harley-Davidson® Insurance is quality, affordable motorcycle insurance, backed by quality service and support. A wide range of coverage options are available, designed with the unique concerns of motorcycle riders in mind. Our licensed agents know H-D® motorcycles and will help tailor a policy to your needs with fast, accurate quoting to get you immediate coverage and onto the road.

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Rider-To-Rider Financing

Through the Harley-Davidson Rider-to-Rider Financing Program, financing is available to qualified individuals who are buying a used motorcycle from a private party. Heart of Dixie Harley-Davidson® can help you obtain financing and give you peace of mind knowing experts are involved in your sale.

Benefits For The Buyer

• Competitive financing rates and terms available

• All buyers considered

• Ability to include additional Harley-Davidson® branded products and services (Harley-Davidson® Extended Service Plan, Parts & Accessories, Harley-Davidson® MotorClothes® Accessories) only available at your Harley-Davidson® dealership to the amount financed

• Opportunity to have the bike inspected and receive a maintenance check prior to purchase

Benefits For The Seller

• Expand the pool of potential buyers for your motorcycle by offering them a financing option to help complete the sale

• Let the H-D® dealer quickly and easily handle the processing of all paperwork (e.g. title transfer, bill of sale, loan contract, etc.) and applicable factory warranties, plus assist you with your current loan payoff (if applicable)

WHAT DO YOU NEED TO DO AS THE BUYER?

1. Complete the ESB ONLINE CREDIT APPLICATION.

2. Go to your local Harley-Davidson® dealership.

3. Once the credit application has been approved, the dealership will visually inspect the motorcycle, verify all paperwork is completed correctly, and ensure (if applicable) all factory warranties are properly transferred.

4. To complete the sale you need to provide: 

   • Valid state or federal government photo identification

   • Proof of physical damage insurance (your Harley-Davidson® dealership can help you acquire insurance if needed)

   • Down payment via cash, check or credit card

5. You may also need to provide:

   • Proof of income (e.g. W2 or current paycheck stub)

   • Proof of residence (e.g. utility bill, mortgage loan statement) 

6. Take delivery of your motorcycle.

WHAT DO YOU NEED TO DO AS THE SELLER?

1. Call your local Harley-Davidson® dealer to discuss how the H-D Rider-to-Rider Financing Program can help you (use the dealer locator to find the H-D® dealer nearest to you).

2. Let your buyer know that competitive financing rates and terms are available to them through your local Harley-Davidson® dealer.

3. Recommend your buyer complete the ONLINE CREDIT APPLICATION.

4. Bring the motorcycle being sold to your local H-D® dealer along with your valid identification, title and/or current loan information. (If you have a joint loan account both account holders must be present or a notarized release from parties not present providing permission to sell must be presented at time of transaction).

5. Once your buyer's credit application has been approved, the dealership will visually inspect the motorcycle, verify all paperwork is completed correctly, and ensure (if applicable) all factory warranties are properly transferred.

6. Confirm delivery of bike to your buyer.

7. Receive a check from the H-D® dealership for the sale of your motorcycle.