In a BHPH arrangement, you make payments directly to the dealership where you bought the bike.

"Buy Here Pay Here" (BHPH) Harley-Davidson dealerships are retailers that provide , meaning the dealer acts as both the seller and the lender . Unlike traditional dealerships that send your application to banks or Harley-Davidson Financial Services (HDFS), a BHPH lot decides whether to loan you the money based on your income and residence rather than just your credit score. How BHPH Financing Works for Motorcycles

: Instead of monthly bills, these loans often require weekly or bi-weekly payments to align with your paychecks.

Explicitly offers a BHPH program for Virginia residents with at least one year of employment and residency. House of Harley-Davidson Harley-Davidson dealer ClosedMilwaukee, WI, United States

Provides a unique that lets you pay down a balance before transitioning to a fixed-rate loan. Eagle's Nest Harley-Davidson Harley-Davidson dealer ClosedLathrop, CA, United States

: You usually take the bike home the same day, but the dealer holds the title until the final payment is made.

While true "Buy Here Pay Here" is more common at independent used motorcycle lots, some authorized Harley-Davidson dealers offer specialized "Second Chance" programs or in-house options for credit-challenged riders: Stonewall Harley Davidson Motorcycle dealer ClosedRuckersville, VA, United States