Harley Davidson refinancing (August 2025)

Owning a Harley Davidson is the ultimate biker experience - you get to ride like the wind and turn heads at the same time! However, they don't come cheap - Harleys can cost between $7000 - $44,000. If you're paying too much to service a motorcycle loan, Harley Davidson refinancing can help you save money!

Whether it's the Street 500, Softail Standard, or the Low Rider, financing your Harley Davidson is not easy. To truly enjoy the experience of owning a Harley, you need to save money on monthly payments! Refinancing your Harley Davidson can get you lower APRs and free up some stress on your wallet.

You can now compare the best rates and deals on Harley Davidson refinancing through Way.com. Find eligible refinance lenders who will help you extend your loan term, reduce your monthly payments, add a co-signer or borrower, get cash-out refinancing, and much more.

What is Harley Davidson Refinancing?

Harley Davidson refinancing involves replacing your existing motorcycle loan (usually taken from Harley Davidson Financial Services - HDFS) with a new motorcycle loan and better terms and conditions. Typically, the new loan will have a lower APR, longer loan term, and/or reduced monthly payments.

You may have been overcharged when you took out the original Harley Davidson loan and have been paying high amounts every month. If you choose the right offer, refinancing can help you reduce at least $100 per month and hundred every year!

You can also add more features like GAP insurance and Extended Service Contracts (ESC). However, not all refinance lenders offer easy Harley Davidson refinancing loans. Ideally, you should search around for several offers before deciding on the one that can save you more money.

Does Harley Davidson refinance?

Rather than looking to refinance with Harley Davidson again, it's better to look at other refinance lenders like credit unions, banks, and online refinance aggregators. They'll help you compare several offers before deciding on one that fits your budget.

Why Should I Refinance My Harley Davidson?

You were probably locked into a high APR when you first financed your Harley Davidson. This may be because of criteria like:

• Credit Score
• Payment History
• Vehicle Eligibility

However, continuing to pay high payments can dent your finances. You can choose to refinance your motorcycle loan if your financial standing has improved since you took out the loan. Harley Davidson refinancing can help you compare rates from several lenders , add co-signers or co-borrowers , buyout your lease , and even get cash-out refinancing for immediate expenses.

When Should You Consider Harley Davidson Refinancing?

You can consider refinancing your Harley Davidson in the following cases:

• When you're eligible for a better loan
• When your credit score has improved by a few points
• If your monthly expenses have increased and you want to save money
• If you want to add a co-signer or co-borrower to your loan

Harley Davidson Refinance Rates (June 2023)

Is it difficult to get a Harley Davidson refinanced?

Harley Davidson Financial Services (HDFS) rarely refinances its own loans. However, there are multiple mainstream lenders that will help you pay off the current loan and refinance with a better APR! You can use Way.com to compare offers from our vetted list of partners, and choose the one that fits you the best. You can get a better deal within just a few minutes of applying.

What Do You Need to Refinance a Harley Davidson?

Ensure you have the following loan details ready before choosing Harley Davidson refinancing.

• Credit score : A score above 660 will get you the best APRs.
• 10-day payoff amount : Get the lender to give you the amount you owe plus 10 days' principal and interest.
• Bike's Loan-to-value ratio : It is the amount you want to borrow divided by the current resale value of the Harley Davidson. This shows whether you are 'upside down' on your current loan.
• Loan term remaining : The best time to refinance is if you have more than a year remaining on the current loan.
• Prepayment penalty : Confirm that your current lender does not have a prepayment penalty for closing the loan before schedule.

Besides, also have your other details ready, like:

• Motorcycle information : VIN, title, registration, number, and mileage
• Income information : Proof of income, tax returns for the past few years
• Personal information : Driver's license and Social Security Number

How do I refinance my Harley Davidson?

Step 1: Calculate how much Harley Davidson refinancing will save you

The first step is to use an auto loan refinance calculator to determine how much you can save. Once you input your desired APR and new loan terms, you will see the new projected monthly payments and how much money you can save. You can then choose to go ahead with Harley Davidson refinancing.

Step 2: Apply to refinance lenders with Way.com

Using Way.com, you can start your refinance journey by entering your basic details and comparing deals from banks, online lenders, and credit unions. Not all of them will offer Harley Davidson refinancing, but we screen and filter the ones that do. Some of them even offer pre-qualification through a soft-credit inquiry .

Step 3: Finalize your offer

When you find an offer that fits your preferred APR or monthly payment, you can then choose to apply with all other documents. This will result in a hard credit inquiry , but you can make it up easily in the subsequent months.

Will my Harley Davidson qualify for refinancing?

To qualify for refinancing, your Harley Davidson should meet the following requirements:

• It should be less than 10 years old
• It should have valid registration documents
• It should have full coverage insurance; and
• The loan payments on it should have been consistent

What are the benefits of GAP and ESC with Harley Davidson refinancing?

Refinancing your Harley Davidson will let you add new loan components like GAP and ESC, which were previously not covered.

• Guaranteed Asset Protection (GAP) is a type of coverage for when your Harley is completely totaled in an accident. You may have to pay off a loan amount more than the value of the totaled bike. In such a case, GAP covers the difference between the bike's worth and the amount you owe on the loan.
• Extended Service Contract (ESC) is an additional warranty that will cover mechanical failures, engine issues, and electrical problems your Harley Davidson may face after the manufacturer's warranty expires.

Can I do Harley Davidson refinancing with bad credit?

Yes, you can refinance a Harley with bad credit, but you might have to pay even higher monthly payments than you're currently paying. It's always best to get your credit score on track before applying for refinance. Follow the guidelines below for the best results:

• Maintain consistency in payments for a least 6 months before applying for Harley Davidson refinancing. Clear any pending dues that may lower your credit score.
• Making a larger down payment can help refinance lenders trust you even with bad credit.
• Get a free copy of your credit report from a credit bureau and keep track of your penalties.
• Shop around using online lending platforms and compare different offers before applying.

Why choose Way.com to refinance your Harley Davidson

We at Way.com know how much your Harley means to you. However, we also know that the worst feeling is when you're bleeding money on it when you can be saving hundreds of dollars! Refinance your Harley Davidson with any of our trusted partners and never waste a penny again.

Using Way.com, you can easily compare the best offers and lenders for your Harley Davidson - all in just a few minutes. We'll also help you find Harley Davidson refinancers that provide add-ons like expert financial advice, GAP insurance, extended service contracts, 100% online application process , and excellent customer support .

Way.com has a 4.5 rating on Trustpilot, with more than 3 million satisfied customers. The Way app also has a 4.7 rating on Google Play and 4.9 on the iOS app store.