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Harley-Davidson Harley-Davidson Harley-Davidson Credit Application| FAQs

Your Ride Begins Here

New or used, from the dealership or another rider—if you need help getting a motorcycle loan, we’ve got you covered.

Apply

Complete our secure online application

Submit

Get your decision in minutes

Ride

Visit a dealer and hit the road

Apply For Credit

Enter your info and get your decision in minutes.

*Required field

*
First
*
Last name required
*
Please enter a valid five digit US ZIP code.
Next

Check Your Application Status

Already applied? Enter your Application ID to see the status of your application and your credit score.

Please enter the application id.

Forgot your Application ID?

Please enter the last four digits of your SSN.
Please enter a valid birth date.
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Please enter your email address.

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FAQs

Do I need to know what motorcycle I want to buy before I apply for credit?

No, you may use the default bike in the Online Application to receive an initial credit decision and later choose a different bike at the dealership to finalize the loan transaction.

What factors are used to determine my creditworthiness?

Many factors are used to determine creditworthiness.  You may obtain a copy of your credit report by contacting the credit reporting agency listed on your Credit Score Disclosure Notice.  This notice is provided via link on your online credit decision.

My credit is bad. Should I still submit an application?

There are many factors that go into the decision along with your current credit situation.  We will not know if you would qualify for financing until your application has been reviewed.

I want to apply for credit with a joint applicant. Can I do that?

Yes, you may apply for joint credit using the Online Application.  If approved, both applicants will be required to sign the loan documents.

I am a current HDFS customer. Do I need to reapply?

Yes, you will need to submit a new credit application either using the Online Application or by visiting your preferred dealership.

Estimate a Monthly Payment

Estimate a Monthly Payment

Use our Payment Estimator to find a bike and options to fit any budget.

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Finance a Used Bike

Finance a Used Bike

Use our Rider-to-Rider program to get the pre-owned bike you want financed by Harley-Davidson.

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Find Your Bike

Find Your Bike

Check out the latest Harley-Davidson motorcycles and find your next ride.

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Manage Your Account

Manage Your Account

Visit myHDFS.com to view statements, make payments or update your account information.

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* Your application for a loan is through Eaglemark Savings Bank (ESB), a subsidiary of Harley-Davidson Financial Services
Harley-Davidson Harley-Davidson Harley-Davidson Credit Application| FAQs
Step
step 1
Tell Us About Yourself

The open road calls. But first, we need your key contact information. If you are applying with another person, they can add their joint information here.

The open road calls. But first, we need your key contact information. If you are applying with another person, they can add their joint information here.

FAQs

What if my mailing address is a PO Box?

In the Mailing Address section of the Application, enter the PO Box number only in the ST# / RR# field and “PO Box” and the number in the Street Name field.

Is it safe and secure to apply online?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include sending your information over an encrypted connection and storing any data in a secure database.

What do you do with my contact information? Is it shared with anyone besides HDFS?

Please see our Privacy Policy for information.

Apply for Credit

* Required field

First name is required
Last name required
# Required
Street name required
?
City required
Invalid ZIP code
Phone number invalid
?
# Required
Street name required
?
City required
Invalid ZIP code
Joint Application Remove Joint Applicant
?
Joint Applicant

* Required field

First name is required
Last name required
# Required
Street name required
?
City required
Invalid joint applicant ZIP code
# Required
Street name required
?
City required
Invalid joint applicant ZIP code
Phone number invalid
# Required
Street name required
?
City required
Invalid ZIP code
We intend to apply for joint credit by clicking next
FAQs

What if my mailing address is a PO Box?

In the Mailing Address section of the Application, enter the PO Box number only in the ST# / RR# field and “PO Box” and the number in the Street Name field.

Is it safe and secure to apply online?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include sending your information over an encrypted connection and storing any data in a secure database.

What do you do with my contact information? Is it shared with anyone besides HDFS?

Please see our Privacy Policy for information.

Harley-Davidson Harley-Davidson Harley-Davidson Credit Application| FAQs
Step
step 2
Ready to Ride?

Use the drop-down menu on the right to select the Harley-Davidson® motorcycle you've been dreaming about. Can't decide? We get it. Just skip to the next step, you'll still get a credit decision.


FAQs

Do I need to know what motorcycle I want to buy before I apply for credit?

No, we will use a default bike in the Online Application to render an initial credit decision.  You can choose a different bike at the dealership to finalize the loan transaction.

What if I want to change the bike I selected when I get to the dealership?

Your Harley-Davidson® dealer can help you make modifications to your application, including bike selection.

What if I'm trying to purchase a Harley-Davidson bike that's not in the drop-down menu?

If you don't see your bike, skip the bike selection step and complete the application.  Your Harley-Davidson® dealer will assist you with the purchase of a bike not listed.

Bike Selection
Please select a bike.Please select a different bike or remove your currently selected bike.
NEW
USED
Not sure what bike you want? No problem, you may skip to the next step.
Not sure what bike you want? No problem, you may skip to the next step.
Previous
Skip Next
Next Skip
Previous

[selected model]

FAQs

Do I need to know what motorcycle I want to buy before I apply for credit?

No, we will use a default bike in the Online Application to render an initial credit decision.  You can choose a different bike at the dealership to finalize the loan transaction.

What if I want to change the bike I selected when I get to the dealership?

Your Harley-Davidson® dealer can help you make modifications to your application, including bike selection.

What if I'm trying to purchase a Harley-Davidson bike that's not in the drop-down menu?

If you don't see your bike, skip the bike selection step and complete the application.  Your Harley-Davidson® dealer will assist you with the purchase of a bike not listed.

Harley-Davidson Harley-Davidson Harley-Davidson Credit Application| FAQs
Step
step 3
You're Almost Done

We just need to know a few more things. Keep in mind, any personal information you enter is sent over secured and encrypted channels.

FAQs

How secure is my personal information?

At HDFS, we take personal information seriously. All information that you enter for this credit application is sent over secured and encrypted channels, utilizing the strongest encryption currently available (TLS 1.2). Only the sender and HDFS has access to the information. If you still do not feel comfortable entering your personal information, you can always apply in-person at your local Harley-Davidson® dealership. HDFS does not accept applications over the phone.

I don’t have any income or I am unemployed. What do I do?

Income is a required field on the application.  If you are in this situation you can apply with a joint applicant to meet the minimum requirements.

Should I include my total annual household income or only individual income?

You should only use your gross individual income for application purposes.

Personal Information

* Required field

Annual income required
Social security number required
?
Date of birth required
ANNUAL INCOMEAlimony, child support and/or separate maintenance need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.
Employment Status
Employer name required
Phone number invalid
Joint Applicant

* Required field

Annual income required
Social security number required
?
Date of birth required
ANNUAL INCOMEAlimony, child support and/or separate maintenance need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.
Employment Status
Employer name required
Phone number invalid
Previous Next
FAQs

How secure is my personal information?

At HDFS, we take personal information seriously. All information that you enter for this credit application is sent over secured and encrypted channels, utilizing the strongest encryption currently available (TLS 1.2). Only the sender and HDFS has access to the information. If you still do not feel comfortable entering your personal information, you can always apply in-person at your local Harley-Davidson® dealership. HDFS does not accept applications over the phone.

I don’t have any income or I am unemployed. What do I do?

Income is a required field on the application.  If you are in this situation you can apply with a joint applicant to meet the minimum requirements.

Should I include my total annual household income or only individual income?

You should only use your gross individual income for application purposes.

Harley-Davidson Harley-Davidson Harley-Davidson Credit Application| FAQs
Step
step 4
Review, Submit and Ride
  noneEdit
Edit

[dealer address]

*The dealership shown above is your default dealer selection based on your ZIP code.  You are requesting us to send your application and credit decision to this dealership.  If you would prefer to work with a different dealership, please select the Edit link.

  noneEdit
Applicant InformationEdit
Email: Phone:
Personal InformationEdit
Annual Income: SSN: DOB:
Employment Status: Employer: Employer Phone Number:
Joint Applicant InformationEdit
Email: Phone:
Personal InformationEdit
Annual Income: SSN: DOB:
Employment Status: Employer: Employer Phone Number:
Submit Application
Harley-Davidson Harley-Davidson Harley-Davidson Credit Application| FAQs
Step
step 5

Congratulations, You're Approved! Your Dealer May Be Able to Help Your Dealer is waiting. Give Them a Call. You’re Almost Ready to Ride! We’re still processing your application.

Thank you for choosing Harley-Davidson Financial Services†. We're excited to finance the bike of your dreams. All you have to do is visit your dealer. Thank you for submitting your application with Harley-Davidson Financial Services†. Based on the information you provided, we were unable to render a decision through our automated system. However, your dealer may be able to assist you. Thank you for submitting your application with Harley-Davidson Financial Services†. It looks like we need a little more information to process your application. Don't worry, the next steps are easy. Just call or visit the Harley-Davidson® dealer that you listed on your application. They will go over the additional details with you, get you a credit decision, and try to get you on the road! Before you visit, it's always a good idea to check with your dealer about what you need to bring with you. They may request proof of income, proof of residence, or similar documents to help process your application. We need a bit more information to finish up. Thank you for submitting your application with Harley-Davidson Financial Services. Our team is working hard to finalize your credit decision. We appreciate your patience – please check back again soon for your decision.
* [bike]
* We used this bike to render an initial credit decision; please work with your dealership to finalize your bike choice.
You are approved for up to:

0

*
This approval expires on:
Application ID:

Next Steps

1.    Print this approval and bring it to your selected H-D® dealership.

2.    In order to complete your loan transaction you will need to provide a valid ID and proof of insurance to your preferred dealer. Any additional conditions will be listed below.

{stipulations NoStipulationsText="No additional conditions apply"}


3.    Meet with your Harley-Davidson® dealer to discuss specific rates, term†, down payment (if applicable), make any updates to your application (e.g. change the bike) and secure your loan.




† Visit your selected Harley-Davidson® dealer associated with this application to request your loan from Eaglemark Savings Bank (ESB), a subsidiary of Harley Davidson Financial Services. No money down options available for qualified customers. Loan amount may vary based on model selected for purchase. Minimum loan amount of $2,000 required. Offer expires {Expiration date}


†Your application for a loan is through Eaglemark Savings Bank (ESB), a subsidiary of Harley-Davidson Financial Services.

Next Steps

1.    Check with your selected H-D® dealership to see what additional information may be required to render a credit decision.

2.     Print this certificate and meet with your selected dealer to discuss your options.



†Your application for a loan is through Eaglemark Savings Bank (ESB), a subsidiary of Harley-Davidson Financial Services.

Thank you for choosing Harley-Davidson Financial Services†. We just need a few additional pieces of information before we can finalize approval of your application. Please visit your dealership and get ready to ride. 




Next Steps

1.    Print this conditional approval and bring it to your selected H-D® dealership.

2.    In order to finalize your loan you will need to provide a valid ID and proof of insurance to your preferred dealer. Any additional conditions will be listed below.

{stipulations NoStipulationsText="No additional conditions apply"}

3.    Meet with your Harley-Davidson® dealer to discuss specific rates, term†, down payment (if applicable), make any updates to your application (e.g. change the bike) and secure your loan.

  

 
† Your application for a loan is through Eaglemark Savings Bank (ESB), a subsidiary of Harley-Davidson Financial Services.
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