Why You Should Refinance Your Motorcycle Loan
You could qualify for a better motorcycle loan rate, adjust the term of your loan or both.
Refinance popular motorcycle brands including Harley-Davidson, Yamaha, BMW, Indian, and more.
Lower Your Rate
- If your credit score has improved since you took out your current loan, you may qualify for a lower rate.
- Add a same-household co-borrower who has a better credit score and get a lower rate.
- You may even qualify for a lower rate even if your credit score hasn’t changed. Dealerships don’t always have access to the lowest rates available.
Flexible Term Options
Looking to lower your monthly payment and free up some extra cash? Extending your loan term could help reduce your monthly expenses.
Want to pay off your loan faster or save on interest? Reducing your loan term could help you get out of debt sooner, though your monthly payments may be higher.
NO PAyment for up to 45 days
We understand the importance of being flexible. When you refinance your motorcycle through Ironhorse Funding, you can take advantage of up to 45 days before your first payment is due.
No SSN Required, No Credit Impact, And No Commitment.
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, MN, MI, MO, MT, ND, NE, NH, NJ, NM, NY, NC, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, 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 Refinancing Work?
Step 1
GET PREQUALIFIED
Apply online to get an instant prequalification offer.
No impact to credit score. No commitment.
Step 2
CHOOSE YOUR RATE
If you prequalify, review loan offers and select your rate and term. A loan specialist will reach out with details.
Step 3
SUBMIT DOCUMENTS
If you're approved, securely upload the required documents through our mobile-friendly online portal.
Step 4
E-SIGN
Electronically sign for your new loan and ride off on your next adventure.
Motorcycle Refinance FAQs
Protection Products for Your 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.
Related Motorcycle Articles
How to Fund Your Dream Motorcycle Upgrades
Buying the bike is just the starting line.
If you are planning a motorcycle upgrade like a rumble exhaust, waterproof saddlebags, or a bluetooth helmet, building out your ideal setup takes cash. Between everyday bills and routine maintenance, extra money for new parts comes slowly.
Your current motorcycle loan might be holding back your build.
Motorcycle Refinance Before Winter Storage
Motorcycle refinance could be worth considering before winter storage.
If you financed your bike months or years ago, your financial situation may have changed. Your credit may have improved, your current loan rate may no longer be competitive, or you may simply be looking for a lower monthly payment
Can You Refinance a Loan on a Harley Davidson?
Harley-Davidson riders often ask whether they can refinance their motorcycle loan — especially if the original loan came through a dealership, a captive lender, or a general auto lender that doesn’t specialize in motorcycles.
The short answer: yes, you can refinance a Harley loan, and thousands of riders do it every year. Refinancing may help adjust your monthly payment, update the loan structure, or switch to a lender that better understands motorcycle financing.