Do I need to know what motorcycle I want to buy before I apply for credit?
No, you may use the default bike in the Online Application to receive an initial credit decision and later choose a different bike at the dealership to finalize the loan transaction.
What factors are used to determine my creditworthiness?
Many factors are used to determine creditworthiness. You may obtain a copy of your credit report by contacting the credit reporting agency listed on your Credit Score Disclosure Notice. This notice is provided via link on your online credit decision.
My credit is bad. Should I still submit an application?
There are many factors that go into the decision along with your current credit situation. We will not know if you would qualify for financing until your application has been reviewed.
I want to apply for credit with a joint applicant. Can I do that?
Yes, you may apply for joint credit using the Online Application. If approved, both applicants will be required to sign the loan documents.
I am a current HDFS customer. Do I need to reapply?
Yes, you will need to submit a new credit application either using the Online Application or by visiting your preferred dealership.
Talk to Black Wolf Harley-Davidson® about financing your bike with Harley-Davidson® Credit, and get out on the road today. To fill out a Credit Application, click here. Contact Natalie Gideon, our Business Manager with any questions you might have at 276-644-9653.