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The 5 Best Motorcycle Loans for 2022

Harley-Davidson leads the pack when it comes to manufacturer financing. By offering loans on new and used models, you can benefit from low-interest loans with repayment terms of up to seven years. Additionally, Harley-Davidson will also offer financing if you purchase a Harley from a private individual.


  • Equipment and accessories can be added to the cost of the loan

  • Loans available for new and used models

  • Low interest loans with no down payment available

The inconvenients

  • Can only be used on Harley-Davidson models

  • Loans are secured

  • Finance offers not available on all models

Harley-Davidson is one of the best-known motorcycle manufacturers in the world. With its long-standing reputation, Harley-Davidson motorcycles tend to be more expensive than some of its competition, but it also has its own financing options to help make the price more manageable, and we chose Harley-Davidson as the best for manufacturer financing in our opinion.

With Harley-Davidson Financial Services, you can finance a new or used bike if you have fair to excellent credit. Harley-Davidson offers several financing offers, including $0 down payment options with low interest rates and repayment terms of up to seven years. Harley-Davidson has loans with rates as low as 3.25%.

When you buy your motorcycle, you can also add features and services, such as an extended Harley-Davidson maintenance plan, to the amount you finance.

If you want to buy a Harley privately, Harley-Davidson will help you make the transaction easier. You can get financing from Harley-Davidson Financial Services and then meet the seller at a local Harley dealership. The dealer will help you close the sale and transfer ownership of the bike.

When buying a bike with Harley-Davidson financing, keep in mind that the loan is secured. If you are behind on your payments, the lender can repossess the motorcycle as collateral. You can only use the loan to buy Harley-Davidson motorcycles, and the lowest advertised rates and terms are only available on select models.

Harley-Davidson outshines its competition as the best manufacturer financing option because it lets you get a loan for both new and used motorcycles. Plus, you can include additional charges, such as accessories or service plans, in your loan, so you have one easy monthly payment.

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