Harley-Davidson of Panama City Beach
14700 Panama City Beach Pkwy, Panama City Beach, FL 32413

888.547.2905
Financing

Financing

If you've decided you want to finance your new Harley-Davidson®, you're not alone. Seventy percent of buyers finance their motorcycles. With a minimum down payment and approved credit, you can arrange Harley-Davidson® credit financing with us and get out on the road a few hours after picking out your motorcycle.

Plus, you can add in all your parts and accessories, MotorClothes® apparel, the Harley-Davidson® extended service plan, cycle Insurance and more. You'll have everything you need, and you only have to make one monthly payment.

And because we finance more Harley® motorcycles than anyone else, we understand your special needs. Only someone who knows how you feel when you hit the starter button understands that hitting the road ASAP is your biggest concern. That's why we make it easy.

We have two options to help you get the best financing for your new motorcycle. You can print out our application online or use our secure online interactive application. Please Click Here To Read Our Privacy Notice.

NEW INVENTORY PRE OWNED INVENTORY APPLY NOW

PRINTABLE EAGLEMARK FINANCE APPLICATION

Take the first step. Print out the loan application (requires Adobe® Acrobat® Reader™), fill it out, and bring it into our dealership to complete the application process

Our motorcycles are tough... Financing them shouldn't be.

Harley-Davidson® credit finances more motorcycles than any other lender. With a minimum down payment (10% on new bikes and 15% on used bikes) and approved credit, you can arrange Harley-Davidson® credit financing with your us at our dealership and be on the road just a few hours after picking out your motorcycle. Plus, you can add in all your genuine parts and accessories, MotorClothes® merchandise, an extended service plan and more. Everything you need is financed with one loan, so there's only one low monthly payment. We make it quick and easy, so you're riding instead of waiting. Benefits of financing:

  • Finance new and used bikes.
  • Flexible terms (up to 84 months O.A.C. on new bikes).
  • Low monthly payments.
  • Finance additional items (MotorClothes® merchandise, parts and accessories, extended warranty).

SECURE ONLINE APPLICATION

Apply Now

Talk to about financing your motorcycle with Harley-Davidson® credit, and get out on the road today. To download a Harley-Davidson® credit application, click here. Print it, fill it out, and bring it in or fax it to.

Adobe® Acrobat® Reader Required; to download click here.


2019 SOFTAIL MODEL ATTAINABILITY PROGRAM - BREAKOUT MOTORCYCLE

* 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 7.99% 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 2019 Breakout®114 motorcycle in Industrial Grey with an MSRP of $20,849, a 10% down payment and amount financed of $18,764.10, 84-month repayment term, and 7.99% APR results in monthly payments of $292.37. 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.

Rawhide Denim:

* 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 7.99% 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 2019 Breakout®114 motorcycle in Rawhide Denim with an MSRP of $20,849, a 10% down payment and amount financed of $18,764.10, 84-month repayment term, and 7.99% APR results in monthly payments of $292.37. 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.

 

2019 SPORTSTER MODEL ATTAINABILITY PROGRAM

*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 8.49% offer is available on new Harley‑Davidson® Sportster® 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 2019 Superlow® motorcycle in Vivid Black with an MSRP of $8,699, a 10% down payment and amount financed of $7,829.10, 84-month repayment term, and 8.49% APR results in monthly payments of $123.95. 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.
 

BUY FOR $179 A MONTH*, ZERO MONEY DOWN*, ZERO INTEREST FOR 90 DAYS*, ZERO PAYMENTS FOR 120 DAYS*

AVAILABLE FOR WELL-QUALIFIED BUYERS WITH APPROVED CREDIT. REFLECT STOCK NUMBERS LISTED. INDIVIDUAL OFFERS MAY NOT BE COMBINED WITH ANY OTHER OFFERS.  ALL VEHICLES SUBJECT TO PRIOR SALE. H-D OF TAMPA, BRANDON, NEW PORT RICHEY, PANAMA CITY BEACH, AND TALLAHASSEE NOT RESPONSIBLE FOR TYPOGRAPHICAL OR RECORDING ERRORS. MUST TAKE DELIVERY FROM CURRENT DEALER STOCK. LIMITED SUPPLY VEHICLES. AS OF DATE OF AD PRODUCTION THERE ARE 2 OR MORE VEHICLES AVAILABLE ON THESE TERMS. 

SEE DEALER FOR COMPLETE DETAILS. EXPIRES JUNE 30, 2019

OFFER AVAILABLE ONLY ON NEW HARLEY-DAVIDSON MOTORCYCLE MODELS FINANCED THROUGH EAGLEMARK SAVINGS BANK (ESB) A SUBSIDIARY OF HARLEY-DAVIDSON FINANCIAL SERVICES AND SUBJECT TO CREDIT APPROVAL. NOT ALL APPLICANTS WILL QUALIFY. ZERO DOWN PAYMENT, ZERO INTEREST FOR 90 DAYS, ZERO PAYMENT FOR 120 DAYS OFFER AVAILABLE ONLY TO GUESTS AT ESB AND ONLY FOR UP TO A 60-MONTH TERM. APR MAY VARY BASED ON APPLICANT’S CREDIT AND TERM OF THE LOAN. APR CALCULATED ACCORDING TO SIMPLE INTEREST METHOD.

EXAMPLE: 2019 XL 883 N SPORTSTER IRON STOCK # C19210, C19220, C19221; MSRP $8,999; 0% DOWN PAYMENT; AMOUNT FINANCED $8,999; 5.89% APR RESULTS IN 60 MONTHLY PAYMENTS OF $173.46. 

GUEST RESPONSIBLE FOR APPLICABLE TAXES, TITLE, LICENSING FEES AND ANY OTHER FEES AT TIME OF DELIVERY. DEALER ALSO CHARGES PRE-DELIVERY SERVICE FEE IN THE AMOUNT OF $899.95 WHICH CHARGE REPRESENTS COST AND PROFIT TO THE DEALER FOR ITEMS SUCH AS INSPECTING, CLEANING AND ADJUSTING NEW AND USED VEHICLES AND PREPARING DOCUMENTS RELATED TO THE SALE.

 

FREEDOM PROMISE PROGRAM*

*Purchase a new or used 2013MY or newer H-D® Sportster® motorcycle available and in stock at a participating U.S. H-D® dealer between February 1, 2019 and August 31, 2019 and receive trade-in value of original purchase price you pay towards the purchase of an eligible new H-D® motorcycle. Requires trade-in by August 31, 2020. Excludes Police Models. Purchase Price excludes fees, taxes, dealer charges and ancillary products. Non-transferable. Offer is subject to change without notice. Void where prohibited. Additional restrictions apply, see dealer or h-d.com/freedompromise for details.
 

ZERO DOWN*, 0.99% APR* FOR 60 MONTHS ON NEW 2019 HARLEY-DAVIDSON TOURING & SOFTAIL MODELS

*Financing Offer available only on new Harley-Davidson® Softail® and Touring motorcycle models financed through Eaglemark Savings Bank and is subject to credit approval. 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 60 month term. For example, a 2019 Street Glide® motorcycle in Vivid Black with an MSRP of $21,289, no down payment and amount financed of $21,289, 60 month repayment term, and 0.99% APR results in monthly payments of $363.82. 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. Guest must take delivery by March 23, 2019. Other terms, conditions, and limitations may apply. Dealer participation may vary. Financing offer is subject to change or cancellation at any time. See dealer for details.
 

MONTHLY PAYMENTS ON NEW 2019 HARLEY-DAVIDSON MOTORCYCLES

2019 STREET GLIDE *Financing offer available only on new Harley-Davidson® motorcycles financed through Eaglemark Savings Bank (ESB), a subsidiary of Harley-Davidson® Financial Services and is subject to credit approval. Not all applicants will qualify. Available to guests 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. APR is calculated according to the simple interest method. For example, a 2019 Street Glide with an MSRP of $21,289.00  0% down payment and amount financed of $21,289.00, 60 month repayment term, and 3.99% APR results in monthly payments of $391.76. Guest 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. Harley-Davidson® of Tampa, Brandon, New Port Richey, Panama City Beach, and Tallahassee also charges a pre-delivery service fee in the amount of $899.00,which charge represents cost and profit to the dealer for items such as inspecting, cleaning and adjusting new and used vehicles and preparing documents related to the sale. Must take delivery from current dealer stock. 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 dealer for complete details.
 
2019 HERITAGE SOFTAIL *Financing offer available only on new Harley-Davidson® motorcycles financed through Eaglemark Savings Bank (ESB), a subsidiary of Harley-Davidson® Financial Services and is subject to credit approval. Not all applicants will qualify. Available to guests 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. APR is calculated according to the simple interest method. For example, a 2019 Heritage Softail with an MSRP of $19,049.00   0% down payment and amount financed of $19,049.00 , 60 month repayment term, and 3.99% APR results in monthly payments of $350.54. Guest 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. Harley-Davidson® of Tampa, Brandon, New Port Richey, Panama City Beach, and Tallahassee also charges a pre-delivery service fee in the amount of $899.00,which charge represents cost and profit to the dealer for items such as inspecting, cleaning and adjusting new and used vehicles and preparing documents related to the sale. Must take delivery from current dealer stock. 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 dealer for complete details.
 
2019 STREET BOB *Financing offer available only on new Harley-Davidson® motorcycles financed through Eaglemark Savings Bank (ESB), a subsidiary of Harley-Davidson® Financial Services and is subject to credit approval. Not all applicants will qualify. Available to guests 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. APR is calculated according to the simple interest method. For example, a 2019 street Bob with an MSRP of $14,549.00,  0% down payment and amount financed of $14,549.00,  60 month repayment term, and 3.99% APR results in monthly payments of $264.66. Guest 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. Harley-Davidson® of Tampa, Brandon, New Port Richey, Panama City Beach, and Tallahassee also charges a pre-delivery service fee in the amount of $899.00,which charge represents cost and profit to the dealer for items such as inspecting, cleaning and adjusting new and used vehicles and preparing documents related to the sale. Must take delivery from current dealer stock. 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 dealer for complete details.
 
2019 XL883N IRON *Financing offer available only on new Harley-Davidson® motorcycles financed through Eaglemark Savings Bank (ESB), a subsidiary of Harley-Davidson® Financial Services and is subject to credit approval. Not all applicants will qualify. Available to guests 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. APR is calculated according to the simple interest method. For example, a 2019 XL883N with an MSRP of $8999.00,  0% down payment and amount financed of $8999.00 , 60 month repayment term, and 3.99% APR results in monthly payments of $165.54. Guest 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. Harley-Davidson® of Tampa, Brandon, New Port Richey, Panama City Beach, and Tallahassee also charges a pre-delivery service fee in the amount of $899.00,which charge represents cost and profit to the dealer for items such as inspecting, cleaning and adjusting new and used vehicles and preparing documents related to the sale. Must take delivery from current dealer stock. 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 dealer for complete details.
 

ENHANCED LIMITED TIME FINANCIAL SOLUTION PROMOTION - ESB PAID NEW - 72 MONTH

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. 2.99% APR offer is available only to high credit tier guests at ESB and only for up to a 72 month term. The APR may vary based on the applicant’s past credit performance and the term of the loan. For example, a 2018 Softail Fat Boy in Vivid Black with an MSRP of $18,999, no down payment and amount financed of $18,999, 72 month repayment term, and 2.99% APR results in monthly payments of $288.58. In this example, guest 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 dealer for details.