: These loans typically last 2 to 3 years , which is much shorter than standard 5- to 7-year motorcycle loans. Notable Dealers & "Second Chance" Programs

Offers a "Credit Rebuild" program that partners with subprime lenders to help riders with bankruptcies or low scores. Approval Powersports Motorcycle dealer ClosedSandusky, MI, United States

: Dealers prioritize your ability to pay (proof of steady income) over your past credit mistakes.

"Buy Here Pay Here" (BHPH) Harley-Davidson dealerships are retailers that provide , meaning the dealer acts as both the seller and the lender . Unlike traditional dealerships that send your application to banks or Harley-Davidson Financial Services (HDFS), a BHPH lot decides whether to loan you the money based on your income and residence rather than just your credit score. How BHPH Financing Works for Motorcycles