Finance Department

Finance & Credit Options

Our motorcycles are tough... Financing them shouldn't be.

Stick with a company you know and trust. We are the motorcycle experts, so naturally Harley-Davidson® credit finances more motorcycle loans than any other lender. Harley-Davidson® credit offers the most convenient financing program available for your new or used Harley-Davidson®. With just a 10% down payment (15% for model years 1903-1990) and approved credit, you can arrange your financing through Low Country H-D ® in about an hour.

Our program is flexible, with terms up to 84 months. And because we ride too, and know you need to protect both yourself and the value of your bike, you can finance Harley-Davidson® motorcycle insurance and extended service plan along with your loan. We'll even finance up to $1,000 in MotorClothes ® apparel, accessories, gifts, and collectibles. By including these necessary items in your Harley-Davidson® credit loan, you pay only pennies a day.


With no annual fee and H-D® genuine rewards, it's the ultimate accessory for the serious enthusiast.

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If you've decided you want to finance your new Harley-Davidson ®, you're not alone. Seventy percent of enthusiasts do. With a minimum down payment and approved credit, you can arrange credit financing with us and get out on the road a few hours after picking out your cruiser, sport, standard, Touring, and Trike.

Plus, you can add in all your parts and accessories, apparel, insurance and more. You'll have everything you need, and you only have to make one monthly payment.

And because we finance more than anyone else, we understand your special needs. Only someone who knows how you feel when you hit the starter button understands that hitting the road ASAP is your biggest concern. That's why we make it easy.

Apply Now

Talk to Low Country H-D ® about financing your cruiser, sport, standard, Touring and Trike with credit, and get out on the road today.


Additional Coverage for your Motorcycle


GAP Plus Program

For many Harley-Davidson ® owners, if their motorcycle is stolen and never recovered, chances are they will have to pay the "GAP" between their insurance company payment and the loan payment. Often H-D ® owners assume that their primary insurance will cover any loss related to their bike. In reality, the actual cash value that an insurance company places on your bike may be substantially less than the outstanding balance on your loan. Especially if you have a 48-month or longer loan term, put less than 20 percent down or financed accessories into your loan. Who pays the difference or the "gap" between your insurance company and your loan payoff? You do!

That's why we offer the Harley-Davidson® GAP. It's designed to cover the difference between the loan payoff and your primary insurance company settlement, up to $100,000. In most cases your deductible and loan balance will be paid in full, allowing you to purchase another Harley-Davidson ® motorcycle. All for a small monthly fee that can be added to your motorcycle loan.

See your authorized Harley-Davidson® dealer for more information on Harley-Davidson® protection plans.

If you've decided you want to finance your new Harley-Davidson ® motorcycle, you're not alone. Seventy percent of motorcyclists finance their bikes. With a minimum down payment and approved credit, you can arrange Harley-Davidson ® credit financing with us and get out on the road a few hours after picking out your bike.

Plus, you can add in all your parts and accessories, MotorClothes ® apparel, the Harley-Davidson ® extended service plan, cycle insurance and more. You'll have everything you need, and you only have to make one monthly payment.

And because we finance more Harley® motorcycles than anyone else, we understand your special needs. Only someone who knows how you feel when you hit the starter button understands that hitting the road ASAP is your biggest concern. That's why we make it easy.

APPLY NOW