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.32


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-in1, refinance2 or return3 it to an authorized dealership at the end of your term.


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


Enjoy a break from traditional buying and leasing by making monthly payments as low as $31133 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.

Compare Financing Rates

Flex Financing

Traditional Financing

Bike Types

New H-D® Touring, Trike and CVO™ Bikes    All bikes


36 and 48-months

24 to 84-months, 96-months on select models


Lower monthly payments throughout your term with a single final balloon payment33You 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.

32 - Terms, conditions, and additional fees apply. Motorcycles may be ineligible for return due to excess wear and tear, excessive modifications, or other conditions.

33 - 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.