* For example, a Vivid Black 2009 XL1200 Nightster® motorcycle with an MSRP of $9,899 ($9,999 in California), 10% down payment and amount financed of $8,910.10 ($8,999.10 in California), 60 month repayment term, and 9.25% APR results in monthly payments of $186.04 ($187.90 in California). Whether you qualify for credit, the terms of credit, and APR can vary based on your past credit performance and the length of your loan. APR is calculated according to the simple interest method.