TEXAS HARLEY-DAVIDSON - BEDFORD, TX

WHAT'S MY BIKE PAYMENT?

Estimate your monthly Harley-Davidson® payment in seconds. Adjust the bike price, down payment, loan term, and APR to see what fits your budget — then apply online and lock in your rate.

Live payment calculator, terms up to 96 months, $0 down options available, ALL credit tiers considered, apply in under 5 minutes

PAYMENT ESTIMATOR

CALCULATE YOUR MONTHLY HARLEY-DAVIDSON PAYMENT

KNOW YOUR NUMBERS

5 THINGS THAT AFFECT YOUR MONTHLY PAYMENT

PURCHASE PRICE

The single biggest driver of your monthly payment. A higher MSRP means a higher loan principal — and more interest over time. Adding accessories to your loan also raises the total.

DOWN PAYMENT

Every dollar you put down reduces your loan principal directly. A larger down payment lowers your monthly payment and reduces total interest paid. Even $1,000–$2,000 down makes a meaningful difference.

LOAN TERM

Longer terms (72–96 months) mean lower monthly payments but more total interest paid over the life of the loan. Shorter terms cost more per month but save you money overall. H-D financing goes up to 96 months.

INTEREST RATE (APR)

Your APR is set by Eaglemark Savings Bank based on your credit score, loan term, and the bike you’re financing. The stronger your credit, the lower your rate — which can save hundreds or thousands over the loan term.

TAXES, TITLES, & FEES

Texas charges 6.25% motor vehicle sales tax on motorcycles. Title, registration, and dealer fees are added on top. These can be rolled into your loan or paid upfront — rolling them in raises your monthly payment slightly.

COMMON QUESTIONS

PAYMENT FAQ

HOW MUCH IS A TYPICAL HARLEY-DAVIDSON MONTHLY PAYMENT?

It depends heavily on the model, down payment, loan term, and your APR. On a mid-range Harley around $22,000–$25,000 with 10% down and a 72-month term at around 7% APR, monthly payments typically fall in the $330–$380 range. Longer terms bring that down to the $260–$300 range. Use the calculator above to dial in your specific scenario.

WHAT CREDIT SCORE DO I NEED TO FINANCE A HARLEY?

Eaglemark Savings Bank (ESB) considers all credit tiers — not just buyers with excellent credit. Your APR and loan term will vary based on your credit profile. Buyers with scores above 700 typically qualify for the most competitive rates. Our finance team works hard to find a program for every buyer.

CAN I GET A $0 DOWN HARLEY-DAVIDSON?

Yes, on qualifying models during promotional periods. Harley-Davidson Financial Services periodically runs $0 down offers on select new models for approved credit. Ask our finance team what’s available — offers rotate seasonally. Even outside of promotions, low-down options are often available for qualified buyers.

HOW LONG CAN I FINANCE A HARLEY-DAVIDSON

Harley-Davidson Financial Services through Eaglemark Savings Bank offers loan terms from 36 months all the way up to 96 months (8 years). Longer terms lower your monthly payment but increase total interest paid. The term available to you depends on your credit profile and the loan amount.

ARE TAXES AND FEES INCLUDED IN THE PAYMENT ESTIMATE?

No, and this is important to budget for. Texas charges 6.25% motor vehicle sales tax on motorcycle purchases. Title, registration, and dealer fees are added on top. These can either be rolled into your financed amount (which raises your monthly payment slightly) or paid upfront at signing. The calculator above shows the payment before taxes and fees.

CAN I INCLUDE ACCESSORIES AND GEAR IN MY LOAN?

Yes. H-D Financial Services lets you roll H-D Genuine Parts & Accessories, MotorClothes® apparel, an Extended Service Plan, and protection products into your loan — one payment that covers everything. Adding $2,000 in accessories to a 72-month loan at 7% APR adds roughly $34/month.

DOES TRADING IN MY BIKE AFFECT MY PAYMENT?

Yes, significantly. Your trade-in value is applied directly to your loan balance, which lowers both your monthly payment and the total interest you pay. In Texas, your trade-in also reduces your taxable purchase price, so you pay less sales tax, too. Bring your current bike in, and we’ll appraise it same day.

HOW DO I APPLY FOR FINANCING AT TEXAS HARLEY-DAVIDSON?

Apply online through the secure H-D credit application. It takes about 5 minutes and has no impact on your credit score to get pre-approved. You can also apply in person at our dealership at 1 Texas Harley Way, Bedford, TX 76021, or call us at (817) 267-2646.

LIKE WHAT YOU SEE IN THE CALCULATOR? LET'S MAKE IT REAL.

Apply for financing online in minutes and find out exactly what you qualify for. Our finance team in Bedford is ready to match you with the right payment plan.

Apply for Financing

Call (817) 267-2646