H-D Flex Financing

How does H-D™ Flex Financing work?

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.

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Benefits for the Rider


Multiple end-of-term options to enhance your H-D® motorcycle ownership experience; Pay off your current bike to own it outright, trade-in*, refinance** or return*** 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 $311.33 on Grand American Touring Models with 10% down and a final balloon payment of $10,771.66 due at the end of the 48-month term. 

H-D Flex Financing is available on these select models!

What Happens At The End Of The Term Of The Flex Financing Program?

Renew Your 36 or 48 Month Financing Plan By Trading In Your Current Bike For Any New Harley-Davidson Model.

Refinance or Pay Off The Remaining Balance To Own Your H-D Motorcycle Outright.

Bring Your Motorcycle Back To An Authorized Harley-Davidson Dealership When Your Term Ends To Conclude The Program.


The annual allowable mileage is 5,000/year. The 5,000 miles per year allowance is cumulative and will only be measured at turn-in. There is no penalty for going over 5,000 miles per year should the total miles at turn-in come in below the 15,000 or 20,000 total allowable miles. Average annual mileage on eligible products is under 3,500 miles/year. Additional Miles Are .20/mile, There is a Wear-And Tear Checklist Similar To Any Trade-in or Vehicle Inspection Report.

No, You Own The Motorcycle. At The End Of The Term You Trade-In, Return The Motorcycle, Or Keep The Motorcycle By Refinancing Or Making The Final Loan Balance.

A Residual Value is Set At The Time Of Purchase.

H-D Flex Financing will be available on Tiers 1-4.

* - 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 “Select 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 $290.31 and a 48 the balloon payment of $11,924.13. 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 any time. See Indianapolis Southside Harley-Davidson for details.