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They pulled Experian for me, showing 740 credit score, but said file was so thin they want 20% intrest rate, I guess i will go to my credit union today, and see what rate they offer me.
The dealers at HD always jack up the rate. I know someone who works for one. Tell them you found a better rate at another dealer..........and you will!
all done, went thru my credit union and got 1.9%
I was just at a dealership in NJ and with the season ending/over they are trying to get as many bikes out as possible. I walked in and let them know I wanted X amount of dollars as my monthly payments, and $0 down. Sure enough after coming at me with a few different offers (the first couple no where near what I wanted) they finally gave me what I asked for... They will finance pretty much anyone to get a bike out the door!