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You can research this online or in a phone directory. Alternatively, start your search online by looking to see if your local dealership has its inventory posted for viewing. This can be a less stressful shopping method because you don't have the pressure of an actual salesperson. You can contact the dealership for additional information by phone or email if you find something that you like. Freight and setup fees are legitimate, but you should not be charged handling fees, administrative fees, or documentation fees. Every dealer receives this score quarterly, and it can give you a good sense of how the dealer treats its customers after sale. You can arrange this either through the dealership or a local lending institution.  Make sure that you have your credit scores reviewed before attempting financing. Don't be afraid to obtain multiple quotes from banks, and then use them as leverage to get a lower rate at the Harley dealership. If possible, use a down payment to offset the financing that you will have to do.

Summary:
Find a local Harley-Davidson dealership. Visit your area Harley dealership and discuss the bikes they offer, their prices and their financing options with the sales associate(s). Watch out for any hidden fees. Ask to see a copy of the dealer's most recent Harley-Davidson Customer Service Score. Talk with the dealer about financing.