Finance Department

Independence Harley-Davidson® Finance Department

If you've decided you want to finance your new motorcycle, you're not alone. Seventy percent of enthusiasts do. With a minimum down payment and approved credit, you can arrange credit financing with us and get out on the road a few hours after picking out your motorcycle.

Plus, you can add in all your parts and accessories, apparel, insurance and more. You'll have everything you need, and you only have to make one monthly payment.

And because we finance more Harley-Davidson® 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.

We have the same terms (up to 84 months) on late model used bikes as we do on new bikes.

Get a great bike at a reasonable payment.

Riding a Harley® is fun, buying one should be, too. At Independence Harley-Davidson®, we make sure you enjoy the whole experience.

We were selected as the H-D® Credit Dealer of the Year for the Southern Region.

The winner is not only determined by the volume of business, but also must have the highest level of customer satisfaction. We are proud of the way we do business and Harley-Davidson® has recognized us as the best. The southern region includes all states from Maryland to Florida to Louisiana. There is no national winner, only four regional winners.

  • We have very reasonable financing packages.
  • We are able to get just about everyone approved.
  • Click on "On-Line Credit Application" to apply now!

If your credit is less than perfect, don't give up, let us help you get the bike you want. If your credit is perfect, he will make sure you get the low rates you deserve.

Apply Now

Talk to Independence Harley-Davidson® about financing your motorcycle with credit, and get out on the road today. For more information call us at (704) 847-4647.


Ultra Limited in Vivid Black with Black Finish
*Financing Offer available only on new Harley-Davidson® Road Glide® Limited, Road Glide® Special, Ultra Limited and Street Glide ® Special motorcycle models financed through Eaglemark Savings Bank and is subject to credit approval.  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 60 month term.  For example, a 2020 Ultra Limited motorcycle in Vivid Black with Black Finish with an MSRP of $28,699, no down payment and amount financed of $28,699, 60 month repayment term, and 2.99% APR results in monthly payments of $515.56. 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, 2020. Other terms, conditions, and limitations may apply. Dealer participation may vary. Financing offer is subject to change or cancellation at anytime. See Independence Harley-Davidson for details.

Ultra Limited in Vivid Black with Black Finish with RDRS
*Financing Offer available only on new Harley-Davidson® Road Glide® Limited, Road Glide® Special, Ultra Limited and Street Glide® Special motorcycle models financed through Eaglemark Savings Bank and is subject to credit approval.  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 60 month term.  For example, a 2020 Ultra Limited motorcycle in Vivid Black with Black Finish with an MSRP of $28,699 and Reflex™ Defensive Rider System with an MSRP of $995, no down payment and amount financed of $29,694 , 60 month repayment term, and 2.99% APR results in monthly payments of $533.43. 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, 2020. Other terms, conditions, and limitations may apply. Dealer participation may vary. Financing offer is subject to change or cancellation at anytime. See Independence Harley-Davidson® for details.