How Our Financing Works For You

We offer competitive rates for traditional financing as well as great leasing programs. We work with all types of credit. The general rule of thumb is the lower the score, the higher the down payment. The higher the score, the better the rate.

 Notes and Options when Financing:

• No money down is available on many of our bikes for customers with excellent credit. If you have poor credit, you will need a down payment.
• Motorcycles older than 10 years typically require the largest down payments. 2009 and up models typically work best. Look for 2012 and newer if you have a low score. Newer/Cheaper is usually the best combo. Classic bikes typically require you to get a personal loan unless you have A+ credit.
• Bankruptcies must be discharged or dismissed. No open Bankruptcies. You cannot be currently delinquent on an auto, motorcycle, or home loan. Very recent repossessions and/or foreclosures cannot be approved.
• If you have a co-signer with better credit, it always helps to add them to your application when applying.

 
Applicants with credit scores below 600 will typically need at least $1,500 down. With scores of 550 or lower, you may need more down. If your score is below 500, you typically need at least $2,500-$3,000, depending on the bike. Of course, the down payment will vary by bike. If your score is below 600, typically a bike no older than 10 years and no more than $10,000 financed after a down payment works best. The more down payment you have, the better chance of approval. Remember to try to pick out a bike no older than 2012 if you have credit issues.