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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 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.

1. Apply

Complete our secure application

2. Submit

Get your decision in minutes

3. Ride

Talk to a dealer, finalize the transaction, and hit the road

Already applied?

Enter your application ID to:

  • Check your application status
  • See your credit score
  • Schedule an appointment with
    an H-D® dealer

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

Email Sent!

Please refer to the email to retrieve your Application ID.

We were unable to locate your application. Please contact HDFS for assistance.

FAQS

What if my local dealer is closed due to COVID-19?

Your credit application is valid for 30 days. Some locales may be physically closed due to COVID-19, but are able to discuss your application via phone or private appointment. Please check individual dealership websites for current operating hours and availability.

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

No, you may skip this step to obtain an initial credit decision and finalize your selections at the dealership. However, please note that the amount of money you wish to borrow plays an important role in your credit decision. If you skip the step you will be assigned the system default model for the purposes of rendering a credit decision. It is always advisable to select a model in the same general price range as the amount you are hoping to borrow for the most accurate automated credit decision.

What factors are used to determine my creditworthiness?

Many factors are used to determine creditworthiness. It is always advisable to follow-up with the dealership if you don’t receive an approval through the online system. Your credit situation is unique and a dealer can help determine what options you may have in order to help get you on the road. You may obtain a copy of your credit report by contacting the credit reporting agency listed on your Credit Score Disclosure Notice, which 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.

* Your application for a loan is through Eaglemark Savings Bank (ESB), a subsidiary of Harley-Davidson Financial Services
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 is required
# Required
Street name required
?
City required
State required
Invalid ZIP Code
Invalid Years
Invalid Months
Phone number invalid
?
# Required
Street name required
?
City required
Invalid ZIP Code
Joint Applicant

* Required field

First name is required
Last name is required
# Required
Street name required
?
City required
Invalid joint applicant ZIP code
# Required
Street name required
?
City required
Invalid joint applicant ZIP code
Invalid Years
Invalid Months
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 Credit Application FAQs
Step
step 2
Ready to Ride?

Use the drop-down menu 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.

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 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

Employment Status
Employee title required
Employer name required
You must enter a valid phone number.
Invalid Years
Invalid Months
Employee title required

Joint Applicant

* Required field

Annual income required
?
Social security number required
?
Date of birth required

Employment Status
Employee title required
Employer name required
You must enter a valid phone number.
Invalid Years
Invalid Months
Employee title required
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 Credit Application FAQs
Step
step 4
Review, Submit & Ride
  noneEdit

[dealer address]

Please Note: 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.

COVID-19 ALERT: Dealership hours and availability may be impacted by the coronavirus. Please call your dealer to check availability and discuss remote sales capabilities during this time.

  noneEdit
Applicant InformationEdit
Email: Phone: Time at Residence: MonthMonths Time at Residence: YearYears, MonthMonths Time at Residence: YearYears
Personal InformationEdit
Annual Income: SSN: DOB:
Employment Status: Employer: Employer Phone Number:
Time at Employer: MonthMonths Time at Employer: YearYear, MonthMonths Time at Employer: YearYears
Joint Applicant InformationEdit
Email: Phone: Time at Residence: MonthMonths Time at Residence: YearYears, MonthMonths Time at Residence: YearYears
Personal InformationEdit
Annual Income: SSN: DOB:
Employment Status: Employer: Employer Phone Number:
Time at Employer: MonthMonths Time at Employer: YearYear, MonthMonths Time at Employer: YearYears
Submit Application
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. Check back soon.

Thank you for choosing Harley-Davidson Financial Services†. We're excited to finance the bike of your dreams. Thank you for submitting your application with Harley-Davidson Financial Services†. Based on the information you provided, we were unable to approve your application at this time. However, your dealer may be able to assist you. Give them a call!

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. If someone doesn't reach out to you within 24 hours, just call or visit the Harley-Davidson® dealer 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!

We need a bit more information to finish up.
Thank you for choosing Harley-Davidson Financial Services*. We just need a few additional pieces of information before we can finalize your application.

Thank you for submitting your application with Harley-Davidson Financial Services*. Our team is working hard to finalize your credit decision and we appreciate your patience. Your decision will be rendered in under an hour during normal business hours. You will need to check your status online by signing in with your Application ID, or by calling the dealer listed on your application.

* [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.  Visit or call your dealer to discuss specific rates, term, down payment (if applicable), make any updates to your application (e.g. change the bike).

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

{stipulations NoStipulationsText="No additional conditions apply"}

3.  Finalize the transaction with the dealership, take delivery, and get on the road.

Schedule an Appointment

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

Schedule an Appointment

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

Next Steps

1.    Check with your H-D® dealership to see what additional information may be required to render a credit decision. They may request proof of income, proof of residence, or similar documents to help process your application.

2.     Meet with your selected dealer to discuss your options.


Schedule an Appointment

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

Next Steps

1.   Meet with your Harley-Davidson® dealer to discuss your options. This may include: Updates to your application that may be needed, specific rates, terms*, down payment (if applicable), and any other conditions that may be required.

2.   You will need to provide a valid ID and proof of insurance to finalize any loan transaction.

3.   Once approved, finalize the transaction with the dealership, take delivery, and get on the road.


Schedule an Appointment

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

Next Steps

1.    Sign in with your Application ID to get your updated credit decision and view your credit score. Check often! Decisions can be rendered in as little as 15 minutes to one hour, during normal business hours.

2.     If you do not see an updated credit decision in an hour (during normal business hours), and if you have not already heard from us, please contact the dealer listed on your application for next steps.


Schedule an Appointment

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