Aloha! I have bad credit, not semi bad but tanked. I had lost my job in an industry that died and had some serious bills so now I am paying the price for it. Slowly it is improving but still problematic.

So if I had about $7k to put down on a bike, would that help the interest at all with HD financing? Or would a bank be better, I don't have a credit union.

Thanks!
Gary

 

A credit score of 610 will put you in the 20% interest rate range no matter who you finance with. And they will probably want a good percentage down payment to take the risk.

I financed my 2010 RK thru HDF and got 4% interest rate. But, my credit score is pretty good and I put $5k cash down. That's competitive with anyone in the business.

Mike

 

Thank you Mike!

 

From my experience its worth a shot. You can always turn down the deal if you don't like the rates!