Harley-Davidson® Financing

Harley-Davidson® of Frederick Finance Department

At Harley-Davidson® of Frederick, there's nothing we enjoy more than helping our customers find the kind of fun and adventure that a quality Harley-Davidson® motorcycle can bring. If you're considering financing your new Softail®, Sportster®, Street™, or Touring bike, you're in good hands with our finance department. We are thrilled to get the opportunity to help you set up a financing plan that gets you out on the road as soon as possible in the Frederick area.

If you've decided you want to finance your new Harley-Davidson® motorcycle, you're not alone. Seventy percent of motorcyclists finance their bikes with a loan. 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.

And because we finance more Harley-Davidson® motorcycles 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.

Flexible rates, terms and financing options that let you finance your whole ride are available through Eaglemark Savings Bank, a subsidiary of Harley-Davidson® Financial Services. Designed specifically for our owners, our options may allow you to add Harley-Davidson® Genuine Parts & Accessories, Harley-Davidson® MotorClothes® and Protection Plans from Harley-Davidson® Financial Services into your motorcycle loan.* Then we make it easy for you to manage your account by providing convenient online account access.

Through the Harley-Davidson® Financial Services Seller's Assist Program**, financing is available to qualified individuals who are buying a used motorcycle from a private party. Harley-Davidson® of Frederick in Maryland can help you obtain financing and give you peace of mind knowing Harley-Davidson® experts are involved in your sale.

Benefits for the Motorcycle 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®) only available at your Harley-Davidson® dealership to the amount financed.
  • Opportunity to have the motorcycle inspected and receive a maintenance check prior to purchase.

What do you need to do as the Buyer?

To complete the sale you need to provide:

You may also need to provide:

  • Download, complete and sign a copy of the ESB credit application.
  • Bring the completed ESB credit application to your local Harley-Davidson® dealership.
  • 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 warranties are properly transferred.
  • 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.
  • Proof of income (e.g. W2 or current paycheck stub).
  • Proof of residence (e.g. utility bill, mortgage loan statement).
  • Take delivery of your motorcycle.

Benefits for the Motorcycle Seller (Seller's Assist)

  • 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 warranties, plus assist you with your current loan payoff (if applicable).

What do you need to do as the Seller?

  • Call your local Harley-Davidson® dealer to discuss how Seller's Assist can help you (use the dealer locator to find the H-D® dealer nearest to you).
  • Let your buyer know that competitive financing rates and terms are available to them through your local Harley-Davidson® dealer.
  • Recommend your buyer complete and sign the ESB credit application.
  • 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).
  • 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 warranties are properly transferred.
  • Confirm delivery of motorcycle to your buyer.
  • Receive a check from the H-D® dealership for the sale of your motorcycle.

Apply Today

Our knowledgeable finance staff is here to make the process of purchasing a new motorcycle easy, so don't put off your dreams. To get a quote, apply now. Our staff will contact you about our available financing options.

Talk to Harley-Davidson® of Frederick about financing your motorcycle with Harley-Davidson® Credit, and get out on the road today. To download a Harley-Davidson® Credit Application, click here. Print it, fill it out, and bring it in or fax it to (877) 772-2403.