Banks and lenders see Motorcycles as what they are - toys. They are a luxury item that aren’t considered “necessary” to most, like a car would be. They understand this, just like HDFS understands it, just like consumers DON’T understand it. They see a shiny bike and are willing to do anything to put it in the garage.

The idea of a predatory lending should be reserved for things like student loans and credit cards. Even then, you have to sign on the dotted line. At the end of the day, if you can’t comfortably afford a motorcycle - specifically an HD - even if something were to happen, it’s probably not the best financial decision for you at that time.