Financing

If you've decided you want to finance your new motorcycle, you're not alone. Seventy percent of enthusiasts finance their Harley®. 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-Davidson® 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.

Apply Now

Talk to St. Croix Harley-Davidson® 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.

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Adobe® Acrobat® Reader required; to download click here.

Our title and registration processes are limited to cars, light trucks-class A, B, and C, and motorcycles. Heavy Duty trucks can be registered in some situations (no farm vehicles) but plates for HTK will be issued from the DMV itself and will be mailed to you. Plates are issued on the spot, which we have on hand, and we can only process registrations if a plate is assigned or transfered...title only is not an option as we are only a third party to the DMV, meaning our access and capabilities are limited. You must have a valid title, signed by both seller and purchaser, valid drivers license, lien information-whether an active lien or lien release information. All party's that wish to be on the title must be present.
*We CAN NOT register motorhomes, RV's, campers, trailers, ATV or UTV, snow mobiles, farm vehicles, or anything other than a car, light truck or motorcycle. 
*We CAN NOT issue replacement or duplicate titles. 

St. Croix Harley-Davidson® DoTSt. Croix Harley-Davidson® is an authorized vehicle registration agent for the Wisconsin Department of Transportation

Our services include:

  • Title & registration processing
  • License plate issuance
  • Securing of lien

We can process title & registrations for private party purchases.

Gap Program

If your Harley-Davidson® motorcycle is stolen and never recovered, chances are you'll have to pay the "gap" between your insurance company balance and the loan balance. Don't assume that your primary insurance will cover any loss related to your motorcycle. In reality, the actual cash value that an insurance company places on your bike may be substantially less than the outstanding balance on your loan. Who pays the difference or the "gap" between your insurance company and your loan payoff? You do!

Gap Example:

For ExampleAmount
Loan contract Payoff:$20,000.00
Insurance Settlement amount:-$14,000.00
Your motorcycle insurance deductible is:+$500.00
Making your total out-of-pocket expense:$6,500.00
Our Guaranteed Asset Protection (GAP) Plan covers:-$6,500.00
Total you now owe to pay off your loan$0.00

The GAP Plan pays the difference between the fair market value of your vehicle and the outstanding balance of your loan on the date of loss up to $25,000.** Plus, your insurance deductible may be covered up to $1,000. With your loan balance paid in full and your deductible covered, you can move on to purchasing a new motorcycle.

**Programs may vary by lender/state. Please refer to your GAP Addendum for details of the terms and conditions of this coverage.
***Restrictions apply: See actual contract for specific coverage, exclusions and restrictions.

* Credit approval not required. 10% down payment required at time of contract signing. Monthly payments require automatic monthly charges to a valid Mastercard, Visa or Discover credit card or automatic checking account debit with a voided check. 12 month financing term available for all ESP's with a duration of at least 24 months, 18 month financing term available for all ESP's with a duration of at least 36 months. Harley-Davidson® motorcycles not currently covered by the H-D® factory warranty or a current H-D® ESP requires an inspection ($86.62 including tax) and have a 300 mile waiting period before coverage begins. Motorcycle must be 2001 or newer with less than 75,000 miles at contract signing to be eligible for the H-D® extended service plan.

St. Croix Harley-Davidson® Seller's Assist Program

Let Us Help Sell Your Bike.

Through the Seller's Assist* Program, financing is available to qualified individuals who are buying a used motorcycle from a private party. St. Croix Harley-Davidson® can help you obtain financing and give you peace of mind knowing experts are involved in your sale.

Benefits for the Buyer

  1. Competitive financing rates and terms available
  2. All buyers considered
  3. Ability to include additional Harley-Davidson® branded products and services (Harley-Davidson® Extended Service Plan, Parts & Accessories, Harley-Davidson® MotorClothes®) available at St. Croix Harley-Davidson® to the amount financed
  4. Opportunity to have the bike inspected and receive a maintenance check prior to purchase

Benefits for the Seller

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

Contact the Schd Finance Department to Learn More About Seller's Assist.

*Some restrictions may apply.

Contact Us

Military Financial Services

St. Croix Harley-Davidson® Financial Services
St. Croix Harley-Davidson® Financial Services

Designed specifically for active duty military personnel, our options may allow you to add Harley-Davidson® genuine parts & accessories, Harley-Davidson® MotorClothes® and protection plans from Harley-Davidson® financial services into your motorcycle loan. Then we make it easy for you to manage your account by providing convenient online account access. Active Military includes: Army, Navy, Marine, Air Force, National Guard, Coast Guard and active duty reserves.

Contact our finance department at (715) 246-2959 for more information about this new line of financing!

St. Croix Harley-Davidson® Military Protection Plan

While you are deployed away from home for military duty, St. Croix Harley-Davidson® will store your Harley-Davidson® motorcycle for your entire deployment, absolutely free! No hidden fees, no strings attached, no purchase necessary. That's our way to show our appreciation for the service you provide for us.

To qualify for this program, bring a copy of your military orders for overseas deployment or PCS/TDY orders, your military ID and proof of registration. The motorcycle must be registered in the name of the deployed military member to qualify. This offer runs the entire year.

We will add fuel stabilizer, fog the cylinders, secure your bike on a storage platform and tuck it away in our climate controlled and secure storage facility. Your motorcycle will be connected to a battery tender until your return. All at no charge to you. When you return simply give us a call and we'll wash your motorcycle before you pickt it up! If you can't make it to the shop, that's fine, we will pick it up and/or deliver it to you, for a nominal fee. Just be sure to call us to set up delivery.

We strongly recommend that your bike receives an oil & filter change prior to storage. We'll do this for only $50 plus tax (price based on regular oil, Syn3 is an additional $10). This is also a great time to have any scheduled maintenance done, or accessories installed. Our service department can take care of any service or installation while your bike is in storage.

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