​​​​​​​Rider To Rider Financing

Buying a bike from a friend or someone off an ad? We provide peer to peer financing for your new bike, and we take care of all the paperwork headache so you don't have to. We handle payoffs, DMV paperwork, and the seller gets paid at funding!

Buying A Bike From A Private Party? Selling Your Bike Yourself?

Let San Jose HD® help you through the process whether you are a buyer or seller!

Private Party Financing

Through the Harley-Davidson Rider-to-Rider Financing Program, financing is available to qualified individuals who are buying a used motorcycle from a private party. San Jose HD® can help you obtain financing and give you peace of mind knowing Harley-Davidson experts are involved in your sale.

Benefits For The Buyer

• Competitive financing rates and terms available
• All buyers considered
• Ability to include additional Harley-Davidson® branded products and services (Harley-Davidson® Extended Service Plan, Parts & Accessories, Harley-Davidson® MotorClothes® Accessories) only available at San Jose HD® to the amount financed
• Opportunity to have the bike inspected and receive a maintenance check prior to purchase

Benefits For The Seller

• Expand the pool of potential buyers for your motorcycle by offering them a financing option to help complete the sale
• Let San Jose HD® quickly and easily handle the processing of all paperwork (e.g. title transfer, bill of sale, loan contract, etc.) and applicable factory warranties, plus assist you with your current loan payoff (if applicable)

What Do You Need To Do As The Buyer?

1. Complete the ESB Online Credit Application.
2. Come to San Jose HD®.
3. Once the credit application has been approved,we will visually inspect the motorcycle, verify all paperwork is completed correctly, and ensure (if applicable) all factory warranties are properly transferred.
4. To complete the sale you need to provide:
   • Valid state or federal government photo identification
   • Proof of physical damage insurance (San Jose HD® can help you acquire insurance if needed)
   • Down payment via cash, check or credit card
5. You may also need to provide:
   • Proof of income (e.g. W2 or current paycheck stub)
   • Proof of residence (e.g. utility bill, mortgage loan statement)
6. Take delivery of your motorcycle.

What Do You Need To Do As The Seller?

1. Call San Jose HD® to discuss how the H-D Rider-to-Rider Financing Program can help you.
2. Let your buyer know that competitive financing rates and terms are available to them through San Jose HD®.
3. Recommend your buyer complete the Online Credit Application.
4. Bring the motorcycle being sold to San Jose HD® along with your valid identification, title and/or current loan information. (If you have a joint loan account both account holders must be present or a notarized release from parties not present providing permission to sell must be presented at time of transaction).
5. Once your buyer's credit application has been approved, San Jose HD® will visually inspect the motorcycle, verify all paperwork is completed correctly, and ensure (if applicable) all factory warranties are properly transferred.
6. Confirm delivery of bike to your buyer.
7. Receive a check from San Jose HD® for the sale of your motorcycle.