Finance

If you've decided you want to finance your new Harley-Davidson® motorcycle, you're not alone. Seventy percent of motorcyclists finance their motorcycles. Our lenders are easy to work with and credit decisions are done in a timely manner. Plus, you can add in all your parts and accessories, MotorClothes® apparel, the Harley-Davidson® Extended Service Plan, Cycle Insurance and more. You'll have everything you need, and you only have to make one monthly payment. Contact us at (815) 332-7125 or stop by and see us to get your motorcycle on the road today!!

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.

HOW LONG DOES IT TAKE TO GET A MOTORCYCLE LOAN?

Not long at all. With a minimum down payment and approved credit, you can arrange Harley-Davidson® Credit financing with us and get out on the road a few hours after picking out your motorcycle.

HOW DO I APPLY FOR FINANCING THROUGH HARLEY-DAVIDSON® IN PERSON?

Just come by our dealership in Rockford and pick out your bike. Then an H-D® expert will walk you through the financing process. They're trained to take care of the paperwork so your information is recorded accurately and you don't have to worry about administrative aspects.

CAN I FINANCE A USED HARLEY®?

Absolutely! Get a used motorcycle loan the same way you would apply for new motorcycle financing. Our dealership has a wide selection of top-rated used motorcycles. Come pick your ride and we'll help you find the best financing options.

CAN I GET A MOTORCYCLE LOAN WITH BAD CREDIT?

We'll work with your credit to help you finance a motorcycle. We have unique relationships with lenders, and we have been able to help countless riders with their motorcycle purchase, even ones with bad credit. You won't know what's available for your situation until you've applied.

DOES MOTORCYCLE FINANCING JUST COVER THE BIKE?

One of the most useful things about Harley-Davidson® financing is that you can add in all your parts and accessories, MotorClothes® apparel, the Harley-Davidson® Extended Service Plan, Cycle Insurance and more. You'll have everything you need, and you only have to make one monthly payment.

WHERE CAN I FIND HARLEY-DAVIDSON'S® NEW OR PRE-OWNED CREDIT APPLICATION?

You don't have to drive to Rockford to fill out a credit application. Click here to start a new application or check your current application status.

H-D™ FLEX FINANCING NOW AVAILABLE

The H-D™ Flex Financing Program gives YOU the advantage of attractive monthly payments, shorter terms and greater flexibility including a “walkaway” option* at the end of the loan term compared with traditional retail financing. *Excess wear, mileage and other charges may apply

Learn more about H-D™ Flex Financing

Apply Now

Talk to Kegel Harley-Davidson® about financing your motorcycle with Harley-Davidson® Credit, and get out on the road today. You can also fill out the application below and get the whole process started!

Take the first step. Print out the loan application (requires Adobe® Acrobat® Reader™ or a browser that supports viewing PDF files), fill it out, and either bring it to our dealership or fax it to us at the number (815) 332-9613 to complete the application process, you can also click the link below.

GET FINANCING NOW

OFFER DISCLAIMERS

$0 DOWN/LOW APR
*Financing Offer available only on select, new untitled 2025 or 2024 Street Glide® and Road Glide® or 2025 Street Glide® Ultra Harley-Davidson® motorcycles financed through Eaglemark Savings Bank and is subject to credit approval. Harley-Davidson® CVO™ motorcycles are excluded. Not all applicants will qualify as the Annual Percentage Rate (APR) will vary based on the applicant’s past credit performance and the term of the loan. Financing offer is available only for up to a 36-month term. For example, a 2025 Road Glide motorcycle in Brilliant Red with Black trim and an MSRP of $30,199, no down payment and amount financed of $30,199, 36-month repayment term, and 2.50% APR results in monthly payments of $871.58. In this example, customer is responsible for applicable taxes, title, licensing fees and any other fees or charges at the time of sale. APR is calculated according to the simple interest method. Not valid in conjunction with other offers. Customer must take delivery by March 31, 2026. This Financing Offer is valid during the period of January 1, 2026 to March 31, 2026. Other terms, conditions, and limitations may apply. Dealer participation may vary. Financing offer is subject to change or cancellation at anytime. See dealer for details.

CUSTOMER CASH
**$2,500 incentive valid towards the purchase price of select new, untitled Road Glide and Street Glide Ultra motorcycles, $1,750 incentive valid towards the purchase price of select new, untitled Street Glide motorcycles, all available and in stock at participating H-D® dealers in the continental U.S. including Hawaii and Alaska. At participating dealers only. Offer valid on purchases made on and between January 1, 2026 to March 31, 2026. Offer cannot be used towards the down payment on a motorcycle. Offer not valid on previous purchases or future motorcycle orders after March 31, 2026. Please see your authorized Harley-Davidson® dealership to determine what offers, discounts or promotions, such as Harley-Davidson finance offers, can be combined with this Offer. Offer is subject to change at any time without notice. Void where prohibited or restricted by law. Cannot be redeemed for cash or cash equivalent and is non-refundable.

Kickstart your next adventure OFFER DISCLAIMER

* Financing offer available only on new Harley-Davidson® motorcycles financed through Eaglemark Savings Bank (ESB) and is subject to credit approval. Not all applicants will qualify. 6.74% APR offer is available only to high-credit-tier customers at ESB and only for up to a 60-month term. The APR may vary based on the applicant’s past credit performance and the term of the loan. For example, a 2025 Road Glide® model in Brilliant Red with Black Trim with an MSRP of $30,199, no down payment and amount financed of $30,199, 60-month repayment term, and 6.74% APR results in monthly payments of $594.28. In this example, customer is responsible for applicable taxes, title, licensing fees and any other fees or charges at the time of sale. APR is calculated according to the simple-interest method. Not valid in conjunction with other offers. Other terms, conditions, and limitations may apply. Dealer participation may vary. Financing offer is subject to change or cancellation at any time. See your Harley-Davidson® dealer for details. ©2025 H-D or its affiliates. HARLEY-DAVIDSON, HARLEY, H-D, and the Bar and Shield Logo are among the trademarks of Harley-Davidson Motor Company, Inc. Third-party trademarks are the property of their respective owners.