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flex financing

flex financing

Experience the freedom of the open road with Flex Financing at American Harley-Davidson, North Tonawanda, NY. Our flexible financing options empower you to turn your Harley-Davidson dreams into reality, offering convenient and personalized plans tailored to your financial preferences.


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.

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 Flex FinancingTraditional Financing
Bike TypesNew H-D® Touring, Trike and CVO™ BikesAll bikes
Terms36 and 48-months24 to 84-months, 96-months on select models


Lower monthly payments throughout your term with a single final balloon payment33



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.

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.


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Whether you're eyeing a new model or considering an upgrade, Flex Financing ensures that your Harley ownership journey aligns seamlessly with your budget. With competitive rates and straightforward terms, our financing solutions make it easier than ever to ride home on the Harley of your dreams. The application process is quick and hassle-free, allowing you to focus on the thrill of the ride rather than the burden of financing. 

Take the first step toward owning the iconic Harley-Davidson you've always desired. Explore our Flex Financing options at American Harley-Davidson and embrace the freedom of the road with a financial plan that rides with you.