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Did you know Skyline Harley Davidson offers Rider-to-Rider Financing?

Mar. 31 2026 financing By Skyline Harley Davidson

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We're one of the few dealerships in the area that offers Rider-to-Rider 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. We help you obtain financing and give you peace of mind knowing Harley-Davidson experts are involved in your sale. Rider-to-Rider financing offers TONS of advantages to both buyers & sellers. Give us a call to learn how it works and see if Rider-to-Rider financing is the best option for YOU! 

ARE YOU A BUYER? Here's why you might consider Rider to Rider Financing:

1. Easier Financing for Private Sales
Normally, buying a used motorcycle from an individual means you have to pay cash or secure a personal loan (often with higher rates). Rider-to-Rider financing—through Harley-Davidson Financial Services—lets you finance a private sale almost like you would at a dealership. That’s a big deal because it opens up more inventory without requiring upfront cash.
2. More Competitive Interest Rates
Personal loans for private vehicle purchases usually come with higher interest rates. HDFS often offers better, motorcycle-specific rates, which can lower your monthly payment and total cost over time.
3. Structured, Legitimate Transaction
Private sales can be risky—title issues, payment disputes, etc. Rider-to-Rider helps standardize the process:
  • Secure payment handling
  • Title transfer assistance
  • Clear documentation
RtoR Financing reduces the “sketch factor” that sometimes comes with Craigslist or Facebook Marketplace deals.
4. Ability to Buy a Better Bike
Because you can finance instead of paying cash:
  • You’re not limited to your immediate budget
  • You can afford a newer or better-maintained Harley
  • You may be able to buy from a wider geographic area
5. Optional Add-Ons (Protection Products)
Buyers may have access to:
  • Extended service plans
  • GAP coverage
6. Seller Confidence = Better Deals
Sellers are often more comfortable working with a financed buyer through HDFS because:
  • Payment is guaranteed
  • The process is smoother
That can give you leverage or at least access to more serious listings.


ARE YOU A SELLER?? Here's why you might consider Rider to Rider Financing:


1. Access to More Buyers

Most private buyers are limited by cash. When you offer financing:
  • Your pool of potential buyers expands significantly
  • Buyers who couldn’t afford your bike upfront can now consider it
More demand = better chances of selling faster and closer to your asking price.
2. Faster, More Reliable Payment
Instead of waiting on:
  • Cash meetups
  • Bank transfers
  • “I’ll have the money next week” buyers
HDFS handles the financing and pays you directly.
3. Reduced Risk & Safer Transaction
Private sales come with risks—fake cash, scams, title issues. Rider-to-Rider helps by:
  • Handling funds securely
  • Assisting with title transfer
  • Providing a documented, legitimate process
Less chance of fraud or deal complications.
4. Ability to Hold Firm on Price
Buyers using financing tend to focus on:
  • Monthly payment instead of total price
 That often means:
  • Less aggressive lowballing
  • More willingness to meet your asking price
5. Less Administrative Hassle
The program helps guide:
  • Paperwork
  • Loan payoff (if you still owe money on the bike)
  • Title processing
That’s especially valuable if there’s a lien involved—normally a big pain point in private sales.
6. Easier Sale of Higher-Value Bikes
If you’re selling a more expensive Harley:
  • Cash buyers are rare
  • Financing makes the deal feasible
This is huge for sellers trying to move premium or newer models.