You Could Qualify For A Better Loan on Your Harley-Davidson
Harley-Davidson Refinance
Love your Harley-Davidson motorcycle but hate your loan payment? Applying to refinance your Harley-Davidson could help you adjust the term of your loan or qualify for a better rate. Our team of refinance specialists will work to find the right loan for your Harley-Davidson that fits your refinancing goals.
Check Your Rate. Apply for Prequalification
Apply online for prequalification today. Get instant rate offers in minutes if you qualify. No impact to your credit score, no social security number required, and no commitment to finalize a loan. See what you qualify for.
Currently accepting applications in the following states:
AL, AZ, AR, CA, CO, CT, DC, FL, GA, ID, IL, IN, IA, KS, KY, MD, MA, ME, MI, MO, MT, ND, NE, NH, NJ, NM, NY, NC, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WY.
Financing applied for and processed through the Ironhorse Funding platform is originated by Ironhorse Funding or one of its lending partners. Refer to transaction specific disclosures and loan documents for details and additional information.
How Does Harley-Davidson Refinancing Work?
GET PREQUALIFIED
Apply online to get an instant prequalification offer. No impact to credit score. No commitment.
CHOOSE YOUR RATE
If you prequalify, review loan offers and select your rate and term. A loan specialist will reach out with details.
SUBMIT DOCUMENTS
If you're approved, securely upload the required documents through our mobile-friendly online portal.
E-SIGN
Electronically sign for your new loan on your Harley-Davidson and get to your next adventure!
Why Should I Refinance My Harley-Davidson?
GET A BETTER Loan Rate on Your HARLEY-DAVIDSON
Financing through the dealership doesn't always guarantee the best rate. You may qualify for a better loan rate if your credit has improved since the initial loan was taken out. Even if your credit hasn't improved, you may still qualify for a better rate if you add a same-household co-borrower with a better credit score.
Flexible term options For Your Loan
Extend Your Loan Term: Are you looking for ways to reduce your monthly expenses and free up some extra cash? Maybe you have a new purchase on the horizon, expecting an addition to the family, or furthering your education. Refinancing your Harley-Davidson motorcycle loam to extend the term could provide the relief you need.
Reduce Your Loan Term: Are you looking to get out of debt faster or planning a big purchase? Refinancing your Harley-Davidson motorcycle loan to reduce the loan term could help. If you can afford higher monthly payments, you could save big on interest in the long-run.
No Payment for Up to 45 Days
Take a break from your monthly payments. When you refinance your Harley-Davidson motorcycle loan through Ironhorse Funding, you can take advantage of up to 45 days before your first payment is due.
Harley-Davidson Refinancing Frequently Asked Questions
What Is Harley-Davidson Refinancing?
Refinancing your Harley-Davidson loan is the process of finding a new loan with a more favorable rate and/or term to replace your existing loan. A new loan for your Harley-Davidson is issued with the agreed upon term and rate and the old loan is paid off by the new lender.
What Credit Score do I need to Refinance My Harley-Davidson Loan?
Ironhorse Funding is currently accepting applications for credit scores 660 and above. If you're unsure if you meet the minimum credit score, apply for prequalification. The process utilizes a soft credit pull and will not affect your credit score, does not require a social security number, and comes with no commitment.
Find out how to get a copy of your Free Credit Report.
Can I still refinance my Harley-Davidson loan even if I don't Meet the Minimum CRedit Score?
If your credit score falls below the 660 minimum, you could still qualify. Adding a same-household co-borrower with a credit score of 660 or above could increase your approval odds.
HOw Soon Can I Refinance My Harley-Davidson loan?
It's best to have at least six to nine months of on-time payment history before you apply to refinance your existing Harley-Davidson loan.
What Is The Best Harley-Davidson refinance Loan Term?
Ironhorse Funding offers loan terms on Harley-Davidsons ranging from 24 months to 84 months. Loan term options will vary based on a number of factors including loan amount and credit quality. Based on your financial goals you may want to extend or shorten the loan term.
What Is The Best Harley-Davidson Refinance rate?
Your rate will vary based on a number of factors including credit score, loan-to-value ratio, term, and other factors. The "best" rate is different for everyone depending on your refinance goal.
WHAT DOCUMENTATION WILL I NEED TO REFINANCE MY Harley-Davidson MOTORCYCLE loan?
Required documents will vary but most customers need to provide the following:
- Driver’s license
- Insurance binder
- Copy of your registration
- 10-day payoff from your current lender
WHICH Harley-davidson Models Can I refinance?
Ironhorse Funding accepts refinance applications for all Harley-Davidson models including:
Harley-Davidson Sport
Sportster
Nightster
Harley-Davidson Trikes
Tri Glide
Road Glide 3
Freewheeler
Harley-Davidson Cruiser
Lowrider
Breakout
Fat Bob
Heritage
Softail
Street Bob
Fat Boy
Harley-Davidson American Touring
Road Glide
Street Glide
Road King
Ultra Limited
Harley-Davidson Adventure Touring
Pan America
Still Got Questions About Refinancing Your Harley-Davidson?
Protection Products for Your Harley-Davidson Motorcycle
Cover Yourself From the Unexpected
GAP INSURANCE
GAP provides peace of mind. If there's a total loss on your vehicle, GAP insurance covers the financial gap between the value of your ride and your remaining balance.
TIRE AND WHEEL COVERAGE
Tire and Wheel provides coverage in the event of damage to tires or wheels as a result of road hazards such as metal, nails, glass, debris, potholes, blowouts, and more.
VEHICLE SERVICE CONTRACT
Vehicle service contracts are available at different term lengths for new and used rides to protect your vehicle after the dealer's or manufacturer's warranty has ended.