Find your best Harley Davidson finance rate with Driva

Every lender has different lending requirements and criteria, so this will depend on which lender you’re going with. In most cases, the higher your credit score, the lower rates you’ll be able to access.

Even if you don’t have a great credit score, there still might be finance options available to you! Bear in mind that these may have a higher interest rate, so ensure that you’re able to meet your monthly repayments before committing to anything

If you want to view your credit score and credit history, to find out why your score is the way it is, you can do so for free with our friends at Equifax. You can also get in touch with our friendly and knowledgeable finance team to have a chat about how you can improve your credit score, and what types of loans you’re eligible for. Give us a call on 1300 755 494 or email us at contact@driva.com.au. 

Learn more: 8 things you should know about your credit score before applying for a car loan

This will depend on a number of factors, including your credit score, income and living situation. Additionally, each lender can offer different loan amounts; across our panel of over 30 lenders, we have loan amounts available from $5,000 to $250,000. 

Another factor that may influence the amount you can borrow is the type of bike loan you have. Driva can facilitate a number of different types of loans, from secured loans to unsecured personal loans, and commercial finance options include chattel mortgages and hire purchases. 

One way that you can adjust your maximum borrowing amount is by changing the duration of your loan term, for example from 4 years to 6 years. Keep in mind that this will reduce your monthly repayments but increase the amount of interest you’ll pay overall. 

You can use Driva’s smart platform to find out your best Harley Davidson finance options now, or use our bike loan calculator to find out how much you could borrow. 

A comparison rate can be used to help calculate the ‘real cost’ of your loan. It includes almost all of the fees that lenders will charge you (excluding things like stamp duty), so is the most accurate representation of how much you’ll end up paying. Be wary of relying too heavily on things like the lender quoted Annual Percentage Rates (APRs), as they don’t include any fees or charges, so can actually be quite misleading.

When comparing interest rates on your Harley Davidson financial options, we recommend looking at the comparison rates of each loan, so you can easily identify which loan will cost you the least.

Every lender charges fees, so the important thing is that you take these into consideration before committing to a loan. Some lenders charge early exit fees or early repayment fees, while other lenders will charge barely any fees at all. When you get your personalised quotes through the Driva dashboard, all fees and charges will automatically be built into the rate, so the amount you see is exactly what you’ll end up paying each month.

Absolutely! Driva can facilitate all types of finance, no matter if you’re buying your Harley Davidson motorcycle straight from the dealership, or decide to purchase it from a used bike dealer or private sale. Whether you’re buying a brand new Harley Davidson Sportster or a second hand Evo Softail, Driva can help you finance your dream bike.

Yes. If you’re not completely happy with your current Harley Davidson financial arrangement, Driva can absolutely help you refinance it. Refinancing is a great option for riders who are looking to lower their monthly repayments, alter their loan term or obtain better loan conditions. To refinance, you’ll need to get current on your existing bike loan, determine the outstanding balance and use the Driva platform to compare refinancing options. 

Make sure you take into account the fees vs savings of refinancing. If you’ve got less than a year left to go on your loan, you might find that the entry or exit fees involved with refinancing end up making it a more expensive option. 

With Driva’s online refinancing platform, all lender fees and charges are built into your personalised quotes, meaning that the monthly repayment figure you see is exactly what will come out of your account each month.

To get started with the refinancing process, you’ll just need to tell us a few details about you and the bike you’re looking to refinance. If you’ve got questions, feel free to get in touch with our friendly team.