H-D™ FLEX FINANCING

An alternate way to purchase your next H-D® motorcycle that combines the benefits of attractive monthly payments and the ability to return your motorcycle at the end of term, similar to a lease.*

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Benefits for the Rider

FLEXIBILITY

Multiple end of term options to enhance your H-D® motorcycle ownership experience; Pay off your current motorcycle to own it outright, trade-in (1), refinance (2) or return (3) it to an authorized dealership at the end of your term.

SHORTER TERMS

Customize your payment period with either a 36-or 48-month term - a shorter time frame than standard financing options.

ATTRACTIVE MONTHLY PAYMENTS

Enjoy a break from traditional buying and leasing by making monthly payments as low as $347** on Grand American Touring Models with 10% down and a final balloon payment of $15,685 due at the end of the 48-month term.

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Flex Financing

Traditional Financing

Bike Types

All MY 2025 & MY 2026 New Motorcycles and MY2022-2026 H-D Certified Motorcycles
All Motorcycles

Terms

36 and 48-months
24 to 84-months, 96-months on select models

Payment

Lower monthly payments throughout your term with a single final balloon payment
You will pay the same amount each month until the bike is paid off

End of Term

Trade-in (1) for a new H-D® model, Keep your current bike after paying off remainder, Refinance (2) your balloon payment with HDFS, Return (3) your bike after settling your account balance

Your loan is fully paid off. The bike is yours to keep or trade-in

Your End of Loan Options

The time has come to make an important choice regarding your H-D® motorcycle. With H-D™ Flex Financing, you have several options when it comes to what the end of your chosen term looks like.

Now, is the time to exercise the flexibility of your end-of-loan options.

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Disclaimers

(1) Subject to dealer acceptance.
(2)
 Subject to credit approval.
(3) A return fee up to $395, excess wear, mileage and other charges may apply. Some motorcycles may be ineligible for return due to excess wear and tear, excessive modifications, or other conditions.

*Terms, conditions, and additional fees apply. Motorcycles may be ineligible for return due to excess wear and tear, excessive modifications, or other conditions.
**Financing Offer available only on New Harley-Davidson® motorcycles financed through Eaglemark Savings Bank (ESB) and is subject to credit approval. Not all applicants will qualify. 8.19% APR offer is available only to high credit tier customers at ESB and only for a 48-month term. The APR is based on the applicants past credit performance and the term of the loan. For example, a 2025 Road Glide® in Billiard Gray with an MSRP of $27,999, no down payment and amount financed of $27,999, 48-month repayment term, and 8.19% APR results in 47 monthly payments of $420.31. and a 48th balloon payment of $15.452.42. In this example, customer is responsible for applicable taxes, title, licensing fees and any other fees or charges at the time of sale. APR is calculated according to the simple interest method. Not valid in conjunction with other offers. This Financing Offer is valid during the period of July 1, 2026 – August 31, 2026. Other terms, conditions, and limitations may apply. Dealer participation may vary. Financing offer is subject to change or cancellation at anytime.