Explore Your Finance Options

With Harley-Davidson Finance

Click on the options below to find out more about our two finance options


Personal Contract Purchase (PCP) Hire Purchase (HP)
Harley Own Logo

Personal Contract Purchase (PCP)


With HARLEY | OWN™ Personal Contract Purchase (PCP) you have the option after you have paid all of the regular monthly repayments to:

  1. Return the motorcycle and not pay the Optional Final Repayment. In this example if the motorcycle has exceeded the maximum agreed mileage, a charge of 7.2p (including VAT at 20%) will apply per excess mile. If the motorcycle is in good condition (fair wear and tear accepted) and has not exceeded the maximum agreed mileage you will have nothing further to pay.
  2. Pay the Optional Final Repayment to own the motorcycle or
  3. Part exchange the vehicle subject to settlement of your existing finance agreement

New finance agreements are subject to status.

Calculate Your Repayment

HARLEY | OWN™ (Personal Contract Purchase), HARLEY LOAN™ and HARLEY | PURCHASE™ are provided by Harley-Davidson Finance.

*Harley-Davidson Finance is a trading style of Black Horse Limited, St. William House, Tresillian Terrace, Cardiff, CF10 5BH. Black Horse Ltd is authorised and regulated by the Financial Conduct Authority. Credit is subject to status and is only available to UK residents aged 18 and over. Quotes are indicative and may be subject to change. Quotes are not an offer of credit. Please ensure you can afford the monthly repayments before entering into a finance agreement. Vehicles shown may vary visually by market and may differ from vehicles manufactured and delivered. See your dealer for details.

Harley Purchase Logo

Hire Purchase (HP)


With HARLEY | OWN™ Personal Contract Purchase (PCP) you have the option after you have paid all of the regular monthly repayments to:

  1. Return the motorcycle and not pay the Optional Final Repayment. In this example if the motorcycle has exceeded the maximum agreed mileage, a charge of 7.2p (including VAT at 20%) will apply per excess mile. If the motorcycle is in good condition (fair wear and tear accepted) and has not exceeded the maximum agreed mileage you will have nothing further to pay.
  2. Pay the Optional Final Repayment to own the motorcycle or
  3. Part exchange the vehicle subject to settlement of your existing finance agreement

New finance agreements are subject to status.

Calculate Your Repayment

HARLEY | OWN™ (Personal Contract Purchase), HARLEY LOAN™ and HARLEY | PURCHASE™ are provided by Harley-Davidson Finance.

*Harley-Davidson Finance is a trading style of Black Horse Limited, St. William House, Tresillian Terrace, Cardiff, CF10 5BH. Black Horse Ltd is authorised and regulated by the Financial Conduct Authority. Credit is subject to status and is only available to UK residents aged 18 and over. Quotes are indicative and may be subject to change. Quotes are not an offer of credit. Please ensure you can afford the monthly repayments before entering into a finance agreement. Vehicles shown may vary visually by market and may differ from vehicles manufactured and delivered. See your dealer for details.

Disclaimer


The Supreme Court made a ruling on 01 August 2025 relating to Motor Finance cases

If you’ve already submitted a complaint about potential motor finance commission, we continue to manage these in line with the latest Financial Conduct Authority (FCA) guidelines. If the FCA makes any updates that affect this, we will let you know.

Information about the FCA motor commission complaints handling pause

On 11 January 2024 the Financial Conduct Authority (FCA) announced  their intention to review historical motor finance discretionary commission arrangements (DCA) across the motor finance industry. Due to this, they paused the requirement to respond to complaints involving DCAs.

On 19 December 2024 the FCA extended their pause to include motor finance complaints where a non-discretionary commission arrangement (non-DCA) was involved.

Temporary changes to complaint time limits for DCA and non-DCA complaints:

  • The complaint handling pause has been extended to after 4 December 2025. This means they’ve paused the eight-week deadline to respond to certain complaints about motor commission and you won’t be able to ask the Financial Ombudsman Service to look at your complaint, until after the pause has ended.
  • You will have more time to refer complaints to the Financial Ombudsman when a final response is issued. Instead of the usual 6 months, you have until 29 July 2026, or 15 months from the date of the final response letter, whichever is later. The timelines will be confirmed in the final response letter we send you. 
  • The FCA intend to set out next steps in their DCA review in May 2025. They hope to also provide an update on non-DCA commission complaints at the same time.

You can read more about the timelines on the FCA's website which explains the reason for the pause.