How does H-D™ Flex Financing work?

H-D™ Flex Financing is 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.

H-D™ Flex Financing is a residual value loan (RVL) that offers the benefits of lower monthly payments (with one large final payment) and the security of motorcycle ownership.

With H-D™ Flex Financing, monthly payments are generally lower than conventional financing because you pay only for a portion of the vehicle’s value during the initial contract term. 

* - Subject to dealer acceptance

** - Subject to credit approval

*** - 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.

†- 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. 8.99% APR offer is available only to high credit tier customers at ESB and only for a 48-month term. The APR may vary based on the applicant s past credit performance and the term of the loan. For example, a 2023 Road Glide® in Liquid Black with an MSRP of $21,999, 10% down payment and amount financed of $19,799.10, 48-month repayment term, and 8.99% APR results in 47 monthly payments of $310.71 and a 48th balloon payment of $10,771.66. 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. Other terms, conditions, and limitations may apply. Dealer participation may vary. Financing offer is subject to change or cancellation at anytime.