What the Finance Office Actually Does (and Why It’s Not as Scary as You Think)
For many customers, the finance office is the most intimidating part of buying a motorcycle or powersports vehicle. By the time you reach my desk, you’ve already picked out something you’re excited about — and suddenly the paperwork, numbers, and decisions can feel overwhelming.
After nearly 13 years as a finance manager and 24 years of riding motorcycles, I want to pull back the curtain and explain what the finance office actually does, and how it’s meant to help you — not stress you out.
We Help You Secure Financing That Fits You
One of our main roles is working with lenders to find financing options that fit your situation. Every customer is different. Credit history, income, riding experience, and the type of unit you’re purchasing all play a role.
My job is to:
- Submit your application accurately
- Work with multiple lenders when possible
- Explain your options clearly
- Help structure payments that make sense for your budget
This isn’t a one-size-fits-all process, and it shouldn’t feel rushed or confusing.
We Explain the Numbers — Not Just Present Them
Interest rates, loan terms, and monthly payments matter — but so does understanding what they mean long-term.
In the finance office, we go over:
- Loan length and total cost
- Monthly payment expectations
- Down payment impact
- What happens if life changes
You should leave knowing why you chose the option you did — not just signing and hoping for the best.
Protection Plans: What They Are and Why They’re Offered
Protection plans are often misunderstood. They aren’t required, and they aren’t right for every rider — but they can be incredibly valuable depending on how and what you ride.
Some of the plans we offer include:
- Extended warranties
- Maintenance plans
- GAP coverage
- Tire & wheel protection
- GPS tracking
- Lifetime battery programs
My role is to explain:
- What each plan covers
- Who it tends to benefit most
- How it can protect your investment long-term
As a rider myself, I don’t recommend plans blindly. I look at how you ride, how long you plan to keep the unit, and what makes sense for your situation.
We’re Here to Protect You — Not Just the Deal
A motorcycle or powersports vehicle is often more than transportation — it’s a passion. The finance office exists to help protect that investment and make sure there are no surprises down the road.
Whether it’s ensuring your loan is structured properly or helping you understand coverage options, the goal is confidence — not pressure.
Final Thoughts
The finance office shouldn’t feel intimidating. It should feel informative, supportive, and transparent.
If you ever have questions — before, during, or after your purchase — ask. A good finance manager wants you informed and comfortable, because that leads to better decisions and a better ownership experience.
About the Author
Kristal Watkins is the Finance Manager at Heartland Honda and has been with the dealership for nearly 13 years. With over 24 years of motorcycle riding experience, she brings a rider’s perspective to financing and protection planning. Kristal specializes in helping customers understand their options clearly so they can make confident, informed decisions when purchasing their next powersports vehicle.