Financing | Man O'War Harley-Davidson® | Lexington, KY
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2015 Powersports National Dealer of the Year

Financing Department

GET HARLEY-DAVIDSON® FINANCED

Open 7 Days a Week

GET 6.39% APR AND $0 DOWN ON NEW MOTORCYCLES

Rates start at 6.39% APR for new Harley-Davidson® motorcycles with $0 down options available for 60 months.

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GET ON A SPORTSTER FOR AS LOW AS $213 PER MONTH

Take advantage of extended terms now available on all Sportster® models and ride for as little as $213 per month with 10% down for 84 months.

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RIDER-TO-RIDER FINANCING PROGRAM

The Harley-Davidson® Rider-to-Rider Financing program offers financing to qualified individuals who are buying a used motorcycle from a private party.  CONTACT US for more information.

RIDER TRAINING GRADUATES 9.64% APR OFFER ON NEW MOTORCYCLES

Complete the Harley-Davidson® Riding Academy Course or other approved accredited course and get rates as low as 9.64% APR on new motorcycles for 60 months for high credit tier customers. You must apply within 180 days of course completion.

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GET ON SELECT GRAND AMERICAN TOURING MODELS FOR UNDER $330 PER MONTH*

Take advantage of extended terms now available on Grand American Touring models and ride for as little as $330 per month with 10% Down for 96 months.

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GET ON SELECT CRUISER MODELS FOR UNDER $227 PER MONTH5

Take advantage of extended terms now available on all Softail models and ride for as little as $227 per month with 10% Down for 84 months.

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GET 7.79% APR FINANCING AND $0 DOWN ON USED MOTORCYLCES

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FINANCING FOR ACTIVE MILITARY

As a thank you for your service, active duty stateside military personnel can get a $0 down payment, reduced rates, and flexible term options.

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CONTACT OUR TEAM!

Darren Moses
Finance Manager
(859) 253-2461
finance@manowarhd.com

Bobby Napier
Sales Manager
(859) 253-2461
bobby@manowarhd.com

MAN O'WAR HARLEY-DAVIDSON® FINANCING - GET APPROVED IN MINUTES!

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Don’t you deserve to have the full Harley® experience? If you are deciding to finance your new ride, you’re not alone. Let Man O'War Harley-Davidson® and Harley-Davidson® Credit Corporation, finance the motorcycle of your dreams. We provide convenient, hassle-free financing* to get you on the road faster. We offer loans for new and pre-owned motorcycles, including fixed-rate loans with low down payments and terms up to 84 months on certain models. We understand the stress of financing your new bike, that’s why we know how important is it to do our work quickly and efficiently and get you riding ASAP! Get your Harley-Davidson® financed!

H-D™ EXTENDED SERVICE PLAN

Harley-Davidson® motorcycles are the best in the world. While mechanical failures are rare in today's Harley-Davidson® models, there is always a chance your motorcycle might break down or need a major repair. The Harley-Davidson® Extended Service Plan coves over 1,100 parts on your new or pre-owned motorcycle in the event of a mechanical breakdown. Enjoy low, locked in repair costs, expense reimbursement, optional tire and wheel coverage, and nationwide repair location assistance. You can also sell your motorcycle and transfer your contract, free to the next owner. What an easy way to increase your Harley®'s resale value!

GUARANTEED ASSET PROTECTION7 (GAP):

No one likes to think about having their motorcycle stolen or totaled in an accident, but the fact is that it can happen. The Harley-Davidson® Guaranteed Asset Protection plan can waive the difference between what is owed on your loan and what your insurance company will pay. It could even cover the cost of your insurance company’s deductible, up to $1000.00.

GAP EXAMPLE

FOR EXAMPLEAMOUNT
Loan contract payoff:$20,000.00
Insurance settlement amount:-$14,000.00
Your motorcycle insurance deductible is:+$500.00
Making your total out-of-pocket expense:$6,500.00
Our Guaranteed Asset Protection (GAP) Plan covers:-$6,500.00
Total you now owe to pay off your loan:$0.00

H-D™ INSURANCE

Custom is king at Harley-Davidson®, a place where no two motorcycles are alike. So when it comes to protecting your one-of-a-kind motorcycle, think of the investment you've made. Will everything on your Harley® be covered by your current provider? Get your insurance from the same place you got your motorcycle. No other insurance agency takes better care of motorcyclists than Harley-Davidson® Insurance Services. Call toll-free (800) 832-4449 ext. 4961 any day of the week for a FREE rate quote.

H-D™ RIDER-TO-RIDER FINANCING PROGRAM | SELLER ASSIST

Want to sell your motorcycle but your buyer needs financing? Harley-Davidson® Financial Services’ Seller’s Assist Program and Man O'War Harley-Davidson® can arrange convenient, hassle-free financing* for individuals who are buying a motorcycle from another individual or private party. This program also entitles the purchaser the option to purchase great benefits such as Harley-Davidson® Extended Service Plan, Harley-Davidson® Debt Protection Plan, Harley-Davidson® Guaranteed Asset Protection, Harley-Davidson® Insurance, Harley-Davidson® Genuine Motor Parts, Accessories, and MotorClothes® and Apparel.

H-D™ APPEARANCE PROTECTION8

If you’re like many riders, your motorcycle’s appearance is as important as its performance. With Harley-Davidson® Appearance Protection you can keep your bike looking as good as the day you rode out of the dealership. Scotchgard™ Paint Protector guards against the elements you’ll encounter on the road, like salt, hard water, tree sap, insects, bird waste, acid rain, and more.

If covered damage does occur, affected areas will be repaired and resurfaced, restoring your paint to its original condition. Scotchgard™ Leather and Vinyl Protector repel stains from food, drink, lotions, ink, and more. Your leather and vinyl are also covered in the event of rips, tears, cracks, or loose stitching, caused by weather or UV weakening. Rips or tears less than 2" or punctures less than ¼" will be repaired and surface treated. And to keep that shine, the Scotchgard™ Protector will defend your chrome against the environment. If covered damage does occur, areas will be repaired and resurfaced. Whether you’re a road warrior or a casual rider, this protection provides real peace of mind.

H-D™ THEFT PROTECTION8

Motorcycle theft is an unfortunate but real crime. Harley-Davidson® Theft Protection protects you and your assets by helping law enforcement quickly identify your bike - aiding in recovery and, if necessary, helping you purchase a replacement motorcycle.

Available on new or used H-D® motorcycles and fully transferrable if you sell your bike to a private party. The invisible DataDot™ theft recovery systems placed on parts of your motorcycle are registered in a secure database accessible to law enforcement agencies throughout the U.S., Canada, and Puerto Rico.

The database cross-references the VIN and DataDots™ so that a recovered motorcycle will be returned as quickly as possible. If H-D™ Theft Protection fails to result in the recovery of your stolen motorcycle, you’ll receive up to $5,000 toward the purchase of a replacement motorcycle.

H-D™ PLANNED MAINTENANCE8

Keeping up with regular maintenance is important no matter how many miles you ride. Maintenance scheduled in accordance with H-D™ factory recommended services is intended to keep your bike from experiencing any unexpected breakdowns. Harley-Davidson® Planned Maintenance helps support your factory warranty and ensure your bike stays in road-ready shape. Maintenance is performed by trained H-D® dealership technicians using only genuine H-D® motor parts & accessories. Choose from four different service plan options to meet all your H-D® motorcycle maintenance needs and never miss another scheduled service visit.

TRADE APPRAISAL

 

 

*Financing
Offer available only on new Harley-Davidson® motorcycles financed through
Eaglemark Savings Bank (ESB) and is subject to credit approval. Not all
applicants will qualify. 6.39% APR offer is available on new Harley-Davidson® motorcycles
to high credit tier customers at ESB and only for up to a 60 month term. The
APR may vary based on the applicant’s past credit performance and the term of
the loan. For example, a 2023 Road Glide® Limited motorcycle in Vivid
Black with an MSRP of $29,399, no down payment and amount financed of $29,399,
60 month repayment term, and 6.39% APR results in monthly payments of $573.71.
In this example, customer is responsible for applicable taxes, title, licensing
fees and any other fees or charges at the time of sale. APR is calculated
according to the simple interest method. Not valid in conjunction with other
offers. Other terms, conditions, and limitations may apply. Dealer
participation may vary. Financing offer is subject to change or cancellation at
any time. See your Harley-Davidson® Dealership for details.

 

*Financing Offer available for Used
Harley-Davidson® motorcycles financed through Eaglemark Savings Bank (ESB)
and is subject to credit approval. Not all applicants will qualify. 7.79% APR
offer is available on Used Harley-Davidson® motorcycles to high credit
tier customers at ESB and only for up to a 60 month term. The APR may vary
based on the applicant’s past credit performance and the term of the loan. For
example, a 2015 Softail® Deluxe model in Vivid Black with a sale price of
$17,845, no down payment and amount financed of $17,845, 60 month repayment
term, and 7.79% APR results in monthly payments of $360.04 In this example,
customer is responsible for applicable taxes, title, licensing fees and any
other fees or charges at the time of sale. APR is calculated according to the
simple interest method. Not valid in conjunction with other offers. Other
terms, conditions, and limitations may apply. Dealer participation may vary.
Financing offer is subject to change or cancellation at any time. See your Harley-Davidson® Dealership
for details.

 

$0 Down and as Low as 3.99% APR

*Financing Offer available only on
select, untitled 2022 and 2023 Harley-Davidson® Grand American Touring and
Adventure Touring motorcycles financed through Eaglemark Savings Bank and is
subject to credit approval. Touring models Road King® Special, Road
Glide®, Street Glide® and Electra Glide® Highway King are excluded.
Harley-Davidson® Anniversary, CVO™, Trike and Icons Motorcycle Collection
are excluded. Not all applicants will qualify as the Annual Percentage Rate
(APR) will vary based on the applicant’s past credit performance and the term
of the loan. Financing offer is available only for up to a 48-month term. For
example, a 2023 Street Glide® Special motorcycle in Bright Billiard
Blue/Billiard Gray with Chrome Finish an MSRP of $29,499, no down payment and
amount financed of $29,499, 48-month repayment term, and 3.99% APR results in
monthly payments of $665.93. In this example, customer is responsible for
applicable taxes, title, licensing fees and any other fees or charges at the
time of sale. APR is calculated according to the simple interest method. Not
valid in conjunction with other offers. Customer must take delivery by December
31, 2024. This Financing Offer is valid during the period of July 1, 2024, to
December 31, 2024. Other terms, conditions, and limitations may apply. Dealer
participation may vary. Financing offer is subject to change or cancellation at
anytime. See your Harley-Davidson® Dealership for details. 

 

*Financing Offer available only on new
Harley-Davidson® motorcycles financed through Eaglemark Savings Bank (ESB) and
is subject to credit approval. Not all applicants will qualify. This 11.84%
offer is available on new Harley Davidson® motorcycles to high credit tier
customers at ESB and only for up to an 84-month term. The APR may vary based on
the applicant’s past credit performance and the term of the loan. For example,
a 2024 Pan America® 1250 Special motorcycle in Billiard Gray with an MSRP of
$19,999, 10% down payment and amount financed of $17,999.10, 84-month repayment
term, and 11.84% APR results in monthly payments of $316.20. In this example,
customer is responsible for applicable taxes, title, licensing fees and any
other fees or charges at the time of sale. APR is calculated according to the
simple interest method. Not valid in conjunction with other offers. Other
terms, conditions, and limitations may apply. Dealer participation may vary.
Financing offer is subject to change or cancellation at any time. See your
Harley-Davidson® Dealership for details.

 

*Financing Offer available only on new
Harley-Davidson® motorcycles financed through Eaglemark Savings Bank (ESB) and
is subject to credit approval. Not all applicants will qualify. This 12.74%
offer is available on new Harley Davidson® motorcycles to high credit tier
customers at ESB and only for up to a 96-month term. The APR may vary based on
the applicant’s past credit performance and the term of the loan. For example,
a 2024 Street Glide® motorcycle in Billiard Gray with an MSRP of $25,999, 10%
down payment and amount financed of $23,399.10, 96-month repayment term, and
12.74% APR results in monthly payments of $389.88. In this example, customer is
responsible for applicable taxes, title, licensing fees and any other fees or
charges at the time of sale. APR is calculated according to the simple interest
method. Not valid in conjunction with other offers. Other terms, conditions,
and limitations may apply. Dealer participation may vary. Financing offer is
subject to change or cancellation at any time. See your Harley-Davidson®
Dealership for details.

 

*Financing Offer available only on new
Harley-Davidson® motorcycles financed through Eaglemark Savings Bank (ESB)
and is subject to credit approval. Not all applicants will qualify. 6.59% APR
offer is available only to high credit tier customers who have completed a
Riding Academy, Skilled Riders, MSF or other state accredited course within 180
days of application date and only for up to a 60 month term. The APR may vary
based on the applicant’s past credit performance and the term of the loan. For
example, a 2023 Heritage Classic 114 in Vivid Black with an MSRP of $21,199,
10% down payment and amount financed of $19,079.10, 60 month repayment term,
and 6.59% APR results in monthly payments of $374.11. In this example, customer
is responsible for applicable taxes, title, licensing fees and any other fees
or charges at the time of sale. APR is calculated according to the simple
interest method.  Not valid in conjunction with other offers.  Other
terms, conditions, and limitations may apply. Dealer participation may
vary.  Financing offer is subject to change or cancellation at anytime.
See your Harley-Davidson® Dealership for details.

 

*Financing Offer available only on used
Harley-Davidson motorcycles financed through Eaglemark Savings Bank (ESB) and
is subject to credit approval. Not all applicants will qualify. 9.64% APR
offer is available only to high credit tier customers who have completed a
Riding Academy, Skilled Riders, MSF or other state accredited course within 180
days of application date and only for up to a 60 month term. The APR may vary
based on the applicant's past credit performance and the term of the
loan. For example, a 2020 Softail Deluxe model in Vivid Black with a sale
price of $18,049, no down payment and amount financed of $18,049, 60 month
repayment term, and 9.64% APR results in monthly payments of $380.30. In
this example, customer is responsible for applicable taxes, title, licensing
fees and any other fees or charges at the time of sale.  APR is calculated
according to the simple interest method.  Not valid in conjunction with
other offers.  Other terms, conditions, and limitations may apply. Dealer
participation may vary.  Financing offer is subject to change or
cancellation at anytime.  See your Harley-Davidson® Dealership for
details.

 

*Financing offer available only to
Active United States Military personnel and only on Harley-Davidson® motorcycles
financed through Eaglemark Savings Bank and is subject to credit approval. Not
all applicants will qualify. No Money Down offer is available only to
well-qualified credit tier applicants. 9.14% APR offer is available only to the
highest credit tier applicants and only for up to 60 months term. The APR and
down payment may vary based on the applicant’s past credit performance and the
term of the loan. For example, a 2023 Softail® Standard motorcycle in
Vivid Black with an MSRP of $14,399, no down payment and amount financed of
$14,399, 60 month repayment term and 9.14% APR results in monthly payments of
$299.88. In this example, customer is responsible for applicable taxes, title,
licensing fees and any other fees or charges at the time of sale. APR is
calculated according to the simple interest method. Not valid in conjunction
with other offers. Other terms, conditions and limitations may apply. Financing
offer is subject to change or cancellation at any time. See your Harley-Davidson® Dealership
for details. Active Military includes: United States Army, Navy, Marine, Air
Force, Coast Guard, National Guard and Reserves.

 

*Financing Offer available only on new
Harley-Davidson® motorcycles financed through Eaglemark Savings Bank (ESB)
and is subject to credit approval. Not all applicants will qualify. This 11.74%
offer is available on new Harley Davidson® motorcycles to high credit tier
customers at ESB and only for up to an 84-month term. The APR may vary based on
the applicant’s past credit performance and the term of the loan. For example,
a 2023 Nightster® motorcycle in Vivid Black with an MSRP of $13,499 a 10%
down payment and amount financed of $12,149.10, 84-month repayment term, and
11.74% APR results in monthly payments of $212.78. In this example, customer is
responsible for applicable taxes, title, licensing fees and any other fees or
charges at the time of sale. APR is calculated according to the simple interest
method. Not valid in conjunction with other offers. Other terms, conditions,
and limitations may apply. Dealer participation may vary. Financing offer is
subject to change or cancellation at any time. See your
Harley-Davidson® Dealership for details.

 

*Financing Offer available only on new
Harley-Davidson® motorcycles financed through Eaglemark Savings Bank (ESB)
and is subject to credit approval. Not all applicants will qualify. This 11.74%
offer is available on new Harley Davidson® motorcycles to high credit tier
customers at ESB and only for up to an 84-month term. The APR may vary based on
the applicant’s past credit performance and the term of the loan. For example,
a 2023 Softail® Standard motorcycle in Vivid Black with an MSRP of
$14,399, a 10% down payment and amount financed of $12,959.10, 84-month
repayment term, and 11.74% APR results in monthly payments of $226.97. In this
example, customer is responsible for applicable taxes, title, licensing fees
and any other fees or charges at the time of sale. APR is calculated according
to the simple interest method. Not valid in conjunction with other offers.
Other terms, conditions, and limitations may apply. Dealer participation may
vary. Financing offer is subject to change or cancellation at any time. See
your Harley-Davidson® Dealership for details.

 

*Financing Offer available only on new
Harley-Davidson® motorcycles financed through Eaglemark Savings Bank (ESB)
and is subject to credit approval. Not all applicants will qualify. This 12.74%
offer is available on new Harley Davidson® motorcycles to high credit tier
customers at ESB and only for up to an 96-month term. The APR may vary based on
the applicant’s past credit performance and the term of the loan. For example,
a 2023 Street Glide® Standard motorcycle in Vivid Black with an MSRP of
$21,999, a 10% down payment and amount financed of $19,799.10, 96-month
repayment term, and 12.74% APR results in monthly payments of $329.90. In this
example, customer is responsible for applicable taxes, title, licensing fees
and any other fees or charges at the time of sale. APR is calculated according
to the simple interest method. Not valid in conjunction with other offers.
Other terms, conditions, and limitations may apply. Dealer participation may
vary. Financing offer is subject to change or cancellation at any time. See
your Harley-Davidson® Dealership for details.

 

*Financing Offer available only on New
Harley-Davidson® motorcycles financed through Eaglemark Savings Bank (ESB) and
is subject to credit approval. Not all applicants will qualify. 8.99% APR offer
is available only to high credit tier customers at ESB and only for a 48-month
term. The APR may vary based on the applicant s past credit performance and the
term of the loan. For example, a 2024 Road Glide® in Billiard Gray with an
MSRP of $26,599, 10% down payment and amount financed of $23,939.10, 48-month
repayment term, and 8.99% APR results in 47 monthly payments of $326.36
and a 48th balloon payment of $15,810.98. In this example, customer is
responsible for applicable taxes, title, licensing fees and any other fees or
charges at the time of sale. APR is calculated according to the simple interest
method. Not valid in conjunction with other offers. This Financing Offer is
valid during the period of July 1, 2024 - August 31, 2024. Other terms,
conditions, and limitations may apply. Dealer participation may vary. Financing
offer is subject to change or cancellation at anytime.

 

*Financing Offer available only on new
Harley-Davidson® motorcycles financed through Eaglemark Savings Bank (ESB) and
is subject to credit approval. Not all applicants will qualify. This 12.74%
offer is available on new Harley Davidson® motorcycles to high credit tier
customers at ESB and only for up to a 96-month term. The APR may vary based on
the applicant’s past credit performance and the term of the loan. For example,
a 2024 Road Glide® motorcycle in Billiard Gray with an MSRP of $25,999, 10%
down payment and amount financed of $23,399.10, 96-month repayment term, and
12.74% APR results in monthly payments of $389.88. In this example, customer is
responsible for applicable taxes, title, licensing fees and any other fees or
charges at the time of sale. APR is calculated according to the simple interest
method. Not valid in conjunction with other offers. Other terms, conditions,
and limitations may apply. Dealer participation may vary. Financing offer is
subject to change or cancellation at any time. See your Harley-Davidson®
Dealership for details.

 

 

* Financing Offer available only on new
Harley-Davidson® motorcycles financed through Eaglemark Savings Bank (ESB) and
is subject to credit approval. Not all applicants will qualify. This 11.84%
offer is available on new Harley Davidson® motorcycles to high credit tier
customers at ESB and only for up to an 84-month term. The APR may vary based on
the applicant’s past credit performance and the term of the loan. For example,
a 2024 Nightster® motorcycle in Billiard Gray with an MSRP of $11,999, 10% down
payment and amount financed of $10,799.10, 84-month repayment term, and 11.84%
APR results in monthly payments of $189.14. In this example, customer is
responsible for applicable taxes, title, licensing fees and any other fees or
charges at the time of sale. APR is calculated according to the simple interest
method. Not valid in conjunction with other offers. Other terms, conditions,
and limitations may apply. Dealer participation may vary. Financing offer is
subject to change or cancellation at any time. See your Harley-Davidson®
Dealership for details.

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