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.

Benefits for the Rider

Flexibility

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 $321.61 on Grand American Touring Models with 10% down and a final balloon payment of $16,078.96 due at the end of the 48-month term.

Compare Financing Rates


Flex FinancingTraditional Financing
Bike typesNew H-D® Touring, Trike, Softail®, CVO™ and Nightster® BikesAll Bikes
Terms36 and 48-months
24 to 84-months, 96-months on select models
PaymentLower 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-in1 for a new H-D® model
Keep your current bike after paying off remainder
Refinance2 your balloon payment with HDFS
Return3 your bike after settling your account balance

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

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.