Oakland Harley-Davidson® 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?
- Individuals: Deduction phases out between $100,000 – $150,000 MAGI.
- Married Couples Filing Jointly: Phases out between $200,000 – $250,000 MAGI.
- Personal Use Only: Business and commercial purchases do not qualify.
- 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:
- Starts with "1HD": Assembled in the U.S. ✅
- Starts with "MLY": Revolution Max models — not eligible ❌
Eligible models include most of Harley-Davidson’s core lineup, including:
- Softail Series: Low Rider ST, Breakout, Heritage Classic, Street Bob
- Touring Models: Road Glide, Street Glide, CVO Road Glide, CVO Street Glide
- Trikes: Road Glide 3, Tri Glide Ultra
How to Take Advantage
- Finance Your Ride – Secure financing right here at the dealership.
- Keep Records – Save your loan documents and interest summaries from your lender.
- 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
Why Act Now?
This program is available only for loans originated between 2025 and 2028 — making now the perfect time to plan your next Harley. Don’t leave thousands in potential tax savings on the table.
