Harley-Davidson® of Panama City Beach Finance Department

Harley-Davidson® of Panama City Beach Finance Department

NEW INVENTORY PRE OWNED INVENTORY APPLY NOW  2025 MODELS

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.

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.


FINANCE OFFERS:


$0 DOWN & LOW APR PROMO

*Financing Offer available only on select, untitled 2023 and 2024 Harley-Davidson® motorcycles financed through Eaglemark Savings Bank and is subject to credit approval. Harley-Davidson® 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 36-month term. For example, a 2024 Road Glide® motorcycle in Sharkskin Blue with Black Trim and an MSRP of $28,199, no down payment and amount financed of $28,199, 36-month repayment term, and 0.99% APR results in monthly payments of $795.32. 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 September 30, 2025. This Financing Offer is valid during the period of July 1, 2025 to September 30, 2025. Other terms, conditions, and limitations may apply. Dealer participation may vary. Financing offer is subject to change or cancellation at anytime. See dealer for details.


2024 ROAD GLIDE® 3 IN ATLAST SILVER

*Financing Offer available only on new 2024 Harley-Davidson® Road Glide® 3 motorcycles financed through Eaglemark Savings Bank (ESB) and is subject to credit approval. Not all applicants will qualify. 1.49% 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® 3 model in Atlas Silver Metallic with Black Trim with an MSRP of $37,099, no down payment and amount financed of $37,099, 48-month repayment term, and 1.49% APR results in monthly payments of $796.64. In these examples, 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 April 1, 2025 - June 30, 2025. Other terms, conditions, and limitations may apply. Dealer participation may vary. Financing offer is subject to change or cancellation at anytime.


2024 LOW RIDER® S IN BILLIARD GRAY

*Financing Offer available only on New 2024 Low Rider® S Harley-Davidson® motorcycles financed through Eaglemark Savings Bank (ESB) and is subject to credit approval. Not all applicants will qualify. 4.88% 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 applicants past credit performance and the term of the loan. For example, a 2024 Low Rider® S in Billiard Gray with an MSRP of $19,999, 10%

down payment and amount financed of $17,999.10, 48-month repayment term, and 4.88% APR results in 47 monthly payments of $228.95 and a 48th balloon payment of $9,991.13. 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 April 1, 2025 – June 30, 2025. Other terms, conditions, and limitations may apply. Dealer participation may vary. Financing offer is subject to change or cancellation at any time.

**Customers who choose the return option will need to pay the balance of the loan, which will vary depending on when the bike is returned, along with a return fee of up to $395 and any costs to repair excess wear and tear.


2024 STREET GLIDE® ATTAINABILITY CAMPAIGN 

Monthly Payment
*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.


No Money Down
*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. 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.


STIMULATE THE SOUL > NO DOWN PAYMENT, NO INTEREST FOR 180 DAYS AND NO PAYMENTS FOR 210 DAYS

FINANCING OFFER AVAILABLE ONLY ON NEW HARLEY-DAVIDSON MOTORCYCLES FINANCED THROUGH EAGLEMARK SAVINGS BANK AND IS SUBJECT TO CREDIT APPROVAL. NO DOWN PAYMENT, NO INTEREST FOR THE FIRST 180 DAYS AND NO PAYMENTS FOR THE FIRST 210 DAYS. FOR EXAMPLE, A 2021 SPORTSTER® IRON 883 MOTORCYCLE IN RIVER ROCK GREY DENIM WITH AN MSRP OF $9,749, NO DOWN PAYMENT AND AMOUNT FINANCED OF $13,514.79, 84 MONTH PAYMENT TERM, AND 10.99% APR RESULT IN MONTHLY PAYMENTS OF $244, NO INTEREST FOR 180 DAYS AND NO PAYMENTS FOR 210 DAYS. THE APR WILL VARY BASED ON THE APPLICANT’S PAST CREDIT PERFORMANCE AND THE TERM OF THE LOAN, WHICH CAN VARY FROM 24-84 MONTHS. APR IS CALCULATED ACCORDING TO THE SIMPLE INTEREST METHOD. OFFER AVAILABLE THROUGH AUTHORIZED HARLEY-DAVIDSON® DEALERSHIPS ONLY. NOT ALL APPLICANTS WILL QUALIFY. NOT VALID IN CONJUNCTION WITH OTHER OFFERS. OTHER TERMS, CONDITIONS, AND LIMITATIONS MAY APPLY. FINANCING OFFER IS SUBJECT TO CHANGE OR CANCELLATION AT ANYTIME. SEE DEALER FOR DETAILS.