San Jose H-D® Finance Department
Ride Now. Save Big. A New Federal Tax Perk for Harley-Davidson Buyers
Starting in 2025, riders have an unprecedented opportunity to make their dream Harley-Davidson even more affordable. A new federal law lets qualified buyers deduct up to $10,000 per year in interest paid on loans for new, U.S.-assembled Harley-Davidson motorcycles — whether or not you itemize your taxes.
This program runs on loans originated between January 1, 2025, and December 31, 2028, and can apply for up to four tax years — meaning you could reduce your taxable income by as much as $40,000 over the life of the program.
Who Qualifies?
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Individuals: Deduction phases out between $100,000 – $150,000 MAGI.
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Married Couples Filing Jointly: Phases out between $200,000 – $250,000 MAGI.
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Personal Use Only: Business and commercial purchases do not qualify.
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New Models Only: Pre-owned motorcycles are excluded.
Check If Your Harley Qualifies
This benefit applies only to motorcycles assembled in the U.S. The easiest way to check? Look at the VIN:
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Starts with "1HD": Assembled in the U.S. ✅
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Starts with "MLY": Revolution Max models — not eligible ❌
Eligible models include most of Harley-Davidson’s core lineup, including:
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Softail Series: Low Rider ST, Breakout, Heritage Classic, Street Bob
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Touring Models: Road Glide, Street Glide, CVO Road Glide, CVO Street Glide
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Trikes: Road Glide 3, Tri Glide Ultra
How to Take Advantage
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Finance Your Ride – Secure financing right here at the dealership.
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Keep Records – Save your loan documents and interest summaries from your lender.
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Claim Your Deduction – Deduct eligible interest when filing your federal return.
Pro Tip: Talk with your tax professional to make sure you capture the full benefit.
Secure Financing
Get Approved
Getting approved for your new bike is easy at San Jose H-D®. We have easy financing for all types of credit and residency. Low APR and longer terms are available to keep your payment within your budget. We finance almost all the bikes we sell.
Apply Today!
Our knowledgeable finance staff is here to make the process of purchasing a new motorcycle easy, so don't put off your dreams. To get a quote, apply now. Our staff will contact you about our available financing options.
Whether you are looking at a new or pre-owned Harley-Davidson® motorcycles in San Jose and used Harley-Davidson® motorcycles. Financing your Sportster®, Dyna®, Softail®, Touring or Trike, or Street Glide, is simple and straight-forward because we are adventurous, motorcycle enthusiasts here at San Jose H-D®. You are in good hands financing your Harley-Davidson® with our finance professionals.
Hassle-Free Motorcycle Financing!
We don't just finance Sportster®, Dyna®, Softail®, Touring or Trike, or Street Glide,- you can also add parts and service, an extended service plan, Harley-Davidson® riding gear and clothing, and everything you need to make sure your experience on a Harley-Davidson® motorcycle is fun and rewarding!
Interested In Financing A New Or Pre-Owned Harley-Davidson®?
Talk to San Jose H-D® about financing your motorcycle with Harley-Davidson® credit, and get out on the road today!.