Answer: -More u plunk down for a down payment, the better the rates. show em proof, and u might get it...specially if u can plunk down a good chunk of coin in their lap -Go & ask, That is the easiest thing to do,most times the financeing companies don't care, as long as you pay on time every time. -Enquire with HD before any bank.... banks will give you the absolute run around... You might get 'conditional appoval' in 1-2 days, but it can take them a long time to process all your supporting documents (payslips, rent etc). I tried with the bank and by the time they got back to me after pocessing everything (about a month), I had the money myself anyway. I had enquired about finance thorough a HD dealer and they guaranteed they'd beat any bank (which is very believable).I don't think you'll have any probs - they mainly look at; your salary, job stability, monthly expenditures and check that you work and live where you say you do! -Harley will be able to finance you, but with dings on your credit your rate will probably be over 15% and you will need at least 20% down. Your H-D dealer probably has B-note financing available for buyers with no or poor credit.I would first check with your local credit union. Since they are member-owned, they offer lower loan rates, are usually easier to obtain approval from and in my experience have more friendly & helpful staffs than banks or dealers.