We've put together a number of packages to help riders buy, insure, protect and maintain their beloved Harley®. With a range of products, you can be sure that Harley-Davidson Financial Services can provide you with the right solution at a competitive price.
At Sykes Harley-Davidson we offer a range of Personal and Business Finance products on new and used motorcycles and we can help you choose your best option to make getting out on the road even more affordable. You've dreamed about the thrill of riding a Harley-Davidson® motorcycle and you've chosen the bike to fulfill that dream. Now let our Finance Specialists help you take to the road as simply and quickly as possible.
Harley-Davidson | Finance
Use the strong future value of your Harley® to enjoy low monthly payments today!
You can take advantage of low monthly payments on your Harley-Davidson by choosing to finance your bike through Harley | OWN™ our branded Personal Contract Purchase (PCP).
You choose your term in months from 25-49 months and anticipated annual mileage to a maximum of 24,000 per year. We then set a guaranteed future value†, as this amount is deferred until the end of your agreement. This results in your low monthly repayments.
Whilst interest is charged on the balance of money you finance down to the payment profile of
Harley | OWN™ and the guaranteed future value your monthly payments will be low.
At the end of your agreement you have 3 options that you can choose from;
RETAIN - Pay the Final Repayment (equal to the Guaranteed Future Value† and Option Fee) and keep your Harley®
RETURN - Hand the bike back, provided you have kept the bike in good condition and within the agreed mileage there will be nothing further to pay**
RENEW - Part exchange your Harley® subject to settlement of your existing finance agreement; new finance agreements are subject to status. Any equity leftover could be used as a deposit towards your next Harley®
Traditional hire purchase plan with flexible deposits, fixed rates and terms up to five years.
Now there's nothing to stand between you and the open road. For further details, or to obtain a quotation, please contact your local authorised Harley-Davidson® dealer.
Please feel free to click on the Interactive Product Guide button below to explore more information on the products.
Interactive Product Guide
HARLEY | OWN™ (Personal Contract Purchase), HARLEY LOAN™ and HARLEY | PURCHASE™ are provided by Harley-Davidson Finance.
* Harley-Davidson Finance is a trading name of Black Horse Limited, St William House, Tresillian Terrace, Cardiff, CF10 5BH. Any finance required for a new deal is subject to status, available only to UK residents over the age of 18.
** Excess mileage is charged at 6p per mile + VAT.
† Subject to bike being returned on time, in good condition (fair wear and tear accepted) and within the permitted maximum mileage.
Subject to bike being returned on time, in good condition (fair wear and tear accepted) and within the permitted maximum mileage. HARLEY | OWN™, HARLEY | LOAN™ and HARLEY | PURCHASE™ are provided by Black Horse Limited.*1 Harley-Davidson Finance is a trading name of Black Horse Limited, St William House, Tresillian Terrace, Cardiff, CF10 5BH, which is authorised and regulated by the Financial Services Authority for Insurance Mediation and a member of the Financial Services Compensation Scheme and the Financial Ombudsman Scheme. Finance subject to status. Indemnities may be required.
Harley-Davidson® | Rider Insurance
Has just got even better... You'll now enjoy the comforting reassurance of UK and European breakdown and accident recovery cover plus up to £50,000 (€75,000 in the ROI) in motorcycle legal protection to help you recover any uninsured losses such as your excess, lost earnings, medical costs and personal injury compensation.
Rider Insurance | Benefits
Agreed value (particularly important if you have accessorised your bike)
Helmets, leather and other biking gear protected
UK & European breakdown and accident recovery
Up to £50,000 Motorcycle Legal Protection
New for old replacement
Comprehensive cover for riding other vehicles
Want to speak to someone in person? Call 0333 005 7365 for a FREE quotation.
Online quoting is currently only available in the UK, customers in the Republic of Ireland should call 1800 800845. †Subject to terms and conditions. HARLEY | RIDER INSURANCE™ is arranged and administered by Harley-Davidson Insurance Services and issued and underwritten by Groupama Insurance Company Limited.*2 Harley-Davidson Insurance Services is a trading style of Carole Nash Insurance Consultants Ltd who are authorised and regulated by the Financial Services Authority. Registered in England and Wales 2600841. Registered Office: Trafalgar House,110 Manchester Road, Altrincham, Cheshire, WA14 1NU.
Harley-Davidson® | Warranty Services
Once you have bought your new or used motorcycle you can extend your protection by purchasing a Harley® | Mechanical Warranty™. We offer Extended Cover for New Bikes and an Originals Used Warranty for Approved Harley-Davidson® Originals used bikes.
(Including Motor, Legal Protection & Travel Insurance)
Harley® | Gap Insurance™ will bridge the financial GAP, if your motorcycle is written-off, between the total loss payment that you receive from your motorcycle insurance (market value at time of incident) and the amount you originally paid for the motorcycle (Return to Invoice GAP) or will provide you with a replacement motorcycle(Replacement GAP).
HARLEY | RESCUE & RECOVERY™ (including Motor Legal Protection and Travel Insurance) is arranged and administered by Global Insurance Management Limited and underwritten by Inter Partner Assistance. HARLEY | MECHANICAL WARRANTY™, HARLEY | GAP INSURANCE™, HARLEY | TYRE INSURANCE™ and HARLEY | MOT INSURANCE™ are arranged and administered by Global Insurance Management Limited and underwritten by AXA Insurance UK Plc.*3 Harley-Davidson Warranty Services is a program offered by Global Insurance Management Limited with warranty issued and underwritten by AXA Insurance UK PLC. AXA Insurance UK PLC and Global Insurance Management Limited are each authorised and regulated by the Financial Services Authority.
John Shaw Limited is an Appointed Representative of Automotive Compliance Ltd, who is authorised and regulated by the Financial Conduct Authority (FCA No 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows John Shaw Limited to act as a credit broker, not as a lender, for the introduction to a limited number of lenders and to act as an agent on behalf of the insurer for insurance distribution activities only.
We can introduce you to a selected panel of lenders, which includes Harley Davidson Finance. An introduction to a lender does not amount to independent financial advice and we act as their agent for this introduction. Our approach is to introduce you first to Harley Davidson Finance, who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to be make the next best offer of finance for you. Our aim is to secure the best deal you are eligible for from our panel of lenders. Lenders may pay a fixed commission to us for introducing you to them, calculated by reference to the vehicle model or amount you borrow. Different lenders may pay different commissions for such introductions, and Harley Davidson Finance also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement, all of which are set by the lender concerned. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over. Guarantees may be required.