Do Motorcycle Dealers Accept Credit Cards?

The sweet and short answer is Yes, Some dealerships accept major credit cards but not all dealers accept credit cards. The widespread idea that a dealer might not is probably from old times when more credit card transactions meant higher fees to the dealership. But today most dealers have chosen to accept credit cards for this additional revenue. (More easy payments = more Money). In fact, in some cases, it is required by lenders- such as Harley-Davidson’s Acceptance Now program where they partner with certain banks who require all of their customers to use a MasterCard or Visa card on all retail purchases.

Credit card companies have minimum requirements that retailers must adhere to in order to process their credit cards, but those requirements vary greatly from one type of business to another.  For example, gas stations cannot use the same equipment that is required for restaurants because they will not be able to meet the processing volume or speed necessary for your transaction. Likewise, smaller retailers (those with less than $1 million/year in electronic transactions) typically don’t meet minimum processing requirements either. Retailers like these are often referred to as “merchant level” businesses and the equipment they rent or lease is called a “quarter” machine because it acquires and processes transactions on a quarter-based system.

For example, most companies charge an additional fee for processing credit cards because if they didn’t, their profit margin would be lower than if you used cash instead. Unfortunately, these fees vary greatly from one retailer/merchant level to another and while some retailers will absorb some of the cost of processing your payment via credit card so they don’t lose too much profit on the sale, others won’t. You can avoid these “hidden” fees by asking if the merchant level you’re dealing with will absorb any of the costs or show you the fee schedule so you know what to expect on your credit card statement.

Some retailers may only accept certain types of cards while others may require a minimum purchase amount in order for them to process your type of card and some stores also charge more than others for processing certain types of payment, such as debit cards and gifts cards. So it pays to do little research before shopping at any particular retailer because if you’re too embarrassed to ask, chances are the salesperson won’t volunteer the information.

Why use a credit card to buy a Bike?

Credit cards give buyers great flexibility to make purchases. You can use them anywhere in the world, and you don’t have to carry cash or go to an ATM. Furthermore, if you carry a balance on your card, then you’ll likely pay less for the purchase than if you paid with cash or even using a debit card. That’s because credit cards tend to attract higher interest rates than debit cards do (although there are plenty of exceptions).

Although cars depreciate like any other item, bikes can lose value much more rapidly especially if they remain unsold after 60 days at the dealer’s lot. If you buy something on credit, whether it’s a bike or anything else, finance charges will apply as soon as the balance is unpaid. Interest rates may be low on your credit card if you have excellent credit, but the interest accumulates over time and can make it even more expensive to purchase items with plastic than by using cash or a debit card.

If you pay only the minimum payment every month, you will take several years to clear your balance. That’s not much use when it comes to paying off your bill in full at the end of the billing cycle. If you don’t keep up with payments, then late fees can cost far beyond what would be reasonable for any motorcycle that depreciates as an automobile does. 

In the case of paying only the minimum payment every month, it will take years for your balance to fall.

Using a credit card is always the best way to make purchases. The first reason is that if your transaction is later disputed as unauthorized, the bank cannot automatically take the money from your account before investigating it. If it’s found to be invalid, they’ll return the money to you. You have more time to contest a purchase on a credit card because banks don’t usually start charging interest until after the grace period has ended and only then if you’re late with a payment.

Using a credit card is relatively convenient compared to other methods of buying motorcycles, however, there are some significant risks involved.

Alternative Ways of Buying a Bike

If you can’t afford the bike using other methods, then you might not be able to afford it at all. You can apply for finance or even sign up for layaway plans, which typically allow you to pay your balance over time without incurring any interest charges. This may be an option if you really want to buy a motorcycle but don’t have sufficient funds right away. 

Most consumers use credit cards simply because they are convenient and relatively easy to obtain. If you have good financial habits though, there’s no reason why you can’t skip the plastic and save yourself some money by paying with cash instead. Of course, depending on the fee structure of your card issuer, you could end up paying more in interest than you would have by using a card to buy your motorcycle.

If you’re considering using a credit card to purchase a bike, consider the costs as well as how they will affect your financial health long term. In many cases, it’s better to save up and pay cash all at once rather than buying on credit and accruing interest over time. You’ll need to be diligent about making timely payments so that you don’t dig yourself into a deep hole of debt. A partial payment plan may sound like a good idea but it can be difficult to keep up with since you’ll still have to make the full monthly minimum every month until the balance is paid off. 

Would buying a bike using a credit card be right for me?

Your repayment plan will determine how you repay the card. If you pay your entire balance before your statement closing date (the last day of the billing cycle), then owning a bike with a credit card can be incredibly convenient. You can easily track expenses, redeem rewards points or miles, and never have to worry about carrying cash for that spontaneous purchase of vintage pedals (which might seem like they’re free until you realize what shipping will cost).

Using a card with 0% interest for purchases is also an attractive idea since it allows you more time to pay off your purchase without accumulating interest. It will take years (not months) for you to repay your balance if you make only the minimum payment every month.

Using a credit card is good if something goes wrong because your credit card company is liable and you get 75 section protection. Many credit card companies give rewards if you can reap some things with 0%. 

You should consider using a credit card if you’re buying a motorcycle, but there are also some disadvantages.

If you do not have a good credit card, some dealers may not accept your application for a bike.

Motorcycles are the most expensive item you can own with plastic, so if you don’t have great credit or struggle to repay your debts, you should absolutely avoid making purchases with a credit card. If you’re unfamiliar with how interest rates work on cards, it’s likely that even if you clear the purchase within the 0% interest timeframe, you’ll end up paying far more than the bike is actually worth.

Offering low monthly payments encourages consumers to buy items they might not otherwise be able to afford, but it also prevents people from thinking about the total cost of their purchase over time. It seems like an easy way out of saving money but in reality, this could lead to accumulating debt.

The last major issue with using credit cards is that if you have a problem with the purchase, you may not have many consumer rights to rely on. Credit card companies typically protect buyers less than they would if someone had used cash to make the same purchase. If something goes wrong with your bike (for example, you crash it and it needs costly repairs), you might not be able to recover all of your costs. It’s important to understand your rights when buying big-ticket items like motorcycles with plastic instead of cash.


Using A credit card to buy motorcycles is an attractive option for many consumers. Your expenses will be easily tracked, and you won’t have to worry about carrying cash around. If you end up making only minimum payments every month, your balance could take years (or longer) to pay off. However, using a credit card to make a purchase is not without risks. If you don’t have good credit or are struggling with debt, it’s important to avoid making purchases with your credit card. Furthermore, if something goes wrong with your bike and you need costly repairs, you might not be able to recover all of the costs from your credit card company because they typically protect buyers less than they would if someone had used cash.

Good luck! Thank you for reading our article

also read: Can You Do DoorDash On A Motorcycle?