I would bet it's a pretty high interest rate. If it were 90 days or 12 months 'same as cash' you bet they would be advertising that in bold letters

 

I did just that a couple of years ago for the wife's new bike. 0.9% interest. My credit rating is Tier 1, should I re-think my credit rating?

 

If you gotta finance "extras," then you can't afford 'em. Nothing wrong with that, just need to prioritize your priorities.

 

there are more and more companys doing this type of thing now days.
with the original price of the toys like Bikes it can get expensive. but I agree if you have to finance acc. it you shouldn't have it in the first place.
we have a large car dealer here in town where I work that will finance a set of tires for your vehicle. and they have been doing that for years.
with the price of everything going up cars bikes boats atvs and so on the original price to get them is bad enough but when you get to adding things to them it gets even higher.
one big reason I wont by anything new ever

 

OK, we've got two members that didn't get screwed with the typical high interest rates generally offered through Harley financing. You are outstanding.
All you other poor bastards paying 15% and up, learn from these two.

 

I don't see how it's any different than putting it on a credit card. It's HD's way of trying to get 'a piece of that pie' by competing with other credit options I suppose.

 

Based only on what the OP presented, it's impossible to know the nuts and bolts behind this financing- Source of funds, interest rates, etc..... But like above poster mentioned, not terribly different than putting such purchases on a credit card- which by the way the dealer has to pay a fee to accept, and when they place credit they possibly get a few bucks like they do when they place loans to purchase the bikes......

 

Credit cards is how I do it but it's a short term cash convenience loan until I pay it in full by the due date..and I get cash back. Always 0% apr when you do it that way.

 

I think the bigger issue is that the moco is charging so much to do stuff now they have to offer financing..