Financing

Looking for a new ride? We can help with that.

Begin Your Journey to a New Ride

After completing the online form, you will receive a generic email. Please reply to that email with what bike you are interested in and how much down money you have available. We will then do everything we can to get you a new ride.

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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.

Shop Our Huge Selection of Motorcycles

Buy used Harley Davidson motorcycles from American Classic Motors.  We offer Touring, Softail, Sportster and Dyna models and even V-Rods and custom shoppers. ACM is located in Zieglerville PA

Touring Models

Shop our selection of touring models including Road Glides, Street Glides and Road Kings

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Buy used Harley Davidson motorcycles from American Classic Motors.  We offer Touring, Softail, Sportster and Dyna models and even V-Rods and custom shoppers. ACM is located in Zieglerville PA

Softail Models

Our selection of Softail models inlude the ever popular Heritage Classic and others

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Buy used Harley Davidson motorcycles from American Classic Motors.  We offer Touring, Softail, Sportster and Dyna models and even V-Rods and custom shoppers. ACM is located in Zieglerville PA

Sporster Models

Desire and smaller Harley as your first ride? We have plenty of Sportster models for you.

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Buy used Harley Davidson motorcycles from American Classic Motors.  We offer Touring, Softail, Sportster and Dyna models and even V-Rods and custom shoppers. ACM is located in Zieglerville PA

Dyna Models

We carry can't miss high performance Dyna models that will have everyone talking.

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