My Profile

How do I change my password?

You can change your password on the My Profile  page.

How do I change my mailing address and phone number?

Visit My Profile  to update your contact information.

What personal information should I use when contacting HDFS?

Please include the following information when contacting us with an inquiry or when sending a payment:

• your name
• your address
• the account number associated with your inquiry or payment

How can I correct my misspelled name on my account?

If your name is misspelled on your account, please Contact Us.

Or talk to a Rider Services Representative. Call toll-free:  1-888-MY1-HDFS (1-888-691-4337)

How do I change my name after a life changing event (marriage/divorce)?

In order for us to make this change, we require certified copies of two legal documents with your new name clearly displayed (e.g. Valid driver's license or other government-issued identification card, and a marriage license or divorce decree reflecting the name to which you wish to change).

Please fax these documents to our Rider Services Department at (800) 699-2785 "Attention: Rider Services/Name change" or mail them to:

Harley-Davidson Financial Services, Inc.
Attention: Rider Services
PO Box 22048
Carson City, NV 89721-2048

Please include your account number on the correspondence.

How do I change my loan so that I am the primary account holder?

HDFS does allow you to change the position on the loan between the borrower and co-borrower online. All requests require the signature of both parties and can be submitted via fax or by mail to our Rider Services Department.

Please note: If you are the co-signer, HDFS will not be able to change your position on the loan.

Please fax your signed request to our Rider Services Department at (800) 699-2785, or mail to:

Harley-Davidson Financial Services, Inc.
Attention: Rider Services
PO Box 22048
Carson City, NV 89721-2048

Please include your account number on the correspondence.

Billing and Payments

Statements

When do I get my monthly statement?

Your monthly statement is generated approximately 20 days prior to your due date. Please allow at least 5-7 days for mailing. You can also view your statements online, where you can also enroll in paperless statements. 

Go Paperless!

Piles of paper in your office?  Enroll in paperless billing

I didn't receive my monthly statement. How do I request a duplicate statement?

The most convenient way to view and print your monthly statement is online. Simply go to the Statements page and select the month you wish to view. You can also choose to enroll in paperless billing from that page.

If you do not have the ability to print your statement, visit the Contact Us page to email your request to our Rider Services department. Or call 1-888-MY1-HDFS (1-888-691-4337), and we will be happy to provide you with a copy.

Paperless Statements

Unclutter your mailbox. Simplify your file cabinet. Save a tree.  Enroll in paperless billing.

Balances and Payment Amounts

What is my principal balance?

The principal balance does not include any interest. The payoff quote will include accrued interest from the date of the last payment up to, the "good through" date on the payoff quote given.

What is my monthly payment amount?

Your monthly payment amount is shown on your Account Activity page.

What is meant by Annual Percentage Rate (APR)?

The annual percentage rate (APR) represents the total cost of borrowing money, including all interest, fees, etc., expressed in an annual percentage rate.

How is the interest on my loan calculated?

The principal balance is multiplied by the interest rate listed on your loan contract. The total is then divided by 365 days. The final total equals your daily interest accrued.

So: (Principal Balance x Contract Interest Rate) / 365 = Daily Interest

Example: ($10,000 x 18%) / 365 = $4.93

How does my loan interest accrue?

Your loan is a simple interest loan, with interest accruing daily. Our video provides a brief explanation of how simple interest works and how payments are applied. 

What is Multi-Factor Authentication (MFA)?

Multi-Factor Authentication (MFA) is a well-vetted method to improve your account security and help protect your personal information. It provides an extra layer of protection on top of your MyHDFS password. MFA is increasingly being used by service providers around the country, such as banks, credit card companies, and even social media providers to strengthen the security of their systems. When MFA is enabled, the MyHDFS Login will require two factors for a successful login. The first factor is to log-in using your MyHDFS Username and password. The second factor will be a one-time authorization code sent to your device or email address.

Why is Multi-Factor Authentication required?

The Federal Trade Commission (FTC) has finalized changes to the Standards for Safeguarding Customer Information rule (Safeguards Rule of 2003) under the Gramm-Leach-Bliley Act (GLBA). The updated Safeguards Rule amends the FTC’s 2003 Safeguards Rule and requires financial institutions to implement Multi-Factor Authentication (MFA) to protect customer financial information.

Need help with updating your phone number or email?

To update your phone number please click the "Profile" link, then click on the "+" sign next to the description of your motorcycle. Under "Billing Information" click "Edit" then enter your new phone number and click "Save". Please allow 24-48 business hours for changes to take effect.

View Video Audio Script

I want a better interest rate on my bike? Can I refinance my loan?

HDFS does not offer a refinance program at this time.

My loan is paid in full. Why does my account still show a balance?

Your account status will change approximately 24 hours after the date of your last payment.

How do I request my payment history?

Account information, including your payment history, can be found on your Account Activity page.

Or obtain the amount required to pay your loan in full, get your payment history and due date, or update your account information using our automated account information line.
Call toll-free: 1-888-MY1-HDFS (1-888-691-4337)

Information is available 24 hours a day in English and Spanish.

Please note: You will need your account number or Social Security Number to access the system.

How do I change my payment due date?

As a courtesy to our customers, HDFS allows you to change your due date once during the life of the loan. We do require that you select a due date that falls on or between the 1st and 25th of the month. The first loan payment is required prior to the due date change. Your loan must be paid current at the time.

To submit a written request, visit the Contact Us page. Or call 1-888-MY1-HDFS (1-888-691-4337) to talk to a Rider Services Representative.

How are my payments applied?

Generally, payments are applied first to finance charge, expenses, fees and the unpaid balance of the amount financed. You can refer to your Promissory Note and Security Agreement for details.

For more information about how a specific payment was applied, visit the Contact Us page or call us toll-free at 1-888-MY1-HDFS (1-888-691-4337) to talk to a Rider Services Representative.

Is my loan eligible for benefits under the Servicemembers Civil Relief Act (SCRA)? How do I apply?

One of our Servicing Support Representatives can determine if you are eligible for benefits under the SCRA. To begin the process, submit Activation Orders electronically or by mail to:

Fax: (775) 886-3971
Email: [email protected] 
Mailing Address:

Harley-Davidson Financial Services, Inc.
Attention: Rider Services
PO Box 22048
Carson City, NV 89721-2048

After 48 business hours you may contact us to confirm receipt of your activation orders at 1-877-877-7370, option 4.

Read more about SCRA and Military Allotment.

Making Online Payments

How do I know if my HDFS Billpay payment was received?

If your HDFS Billpay payment is successfully completed, you will receive a confirmation number. It is important to keep this confirmation number for your records until you verify that your payment has been correctly debited from the account from which the payment was made.

When will my online payment be deducted from my debit card, checking or savings account?

Each financial institution has unique timelines for processing and posting financial transactions. Please contact your financial institution or bank for details.

How do I make a single payment?

1. Go to the Account Activity page, and select the appropriate account from the drop-down menu.
2. Click the "Make Payment" button.
3. Enter the Harley-Davidson^® Financial Services account number and last four digits of the primary account holder’s social security number.
4. Agree to the Service terms by clicking "Continue."
5. Enter the payment amount you want to make and the date you would like it to withdraw.
6. From the drop-down menu, select one of the following: Use a stored account, Electronic check, ATM Debit Card or Check Card. 
   
   Note: If you select Electronic Check, enter a nickname for the bank account (i.e. the name of your bank). 
   
   
7. Enter the bank routing and account number information for the bank account you want to make the payment from. 
   
   Note: It is very important that you accurately select Checking or Savings account.
   
   
8. Complete the payment information, and click "Continue." The next screen will confirm the payment information.
9. Once you have reviewed the information, click "Confirm." The confirmation number will appear; please keep for your records.

Is it important to make my payments on time?

Making your loan payments on time is an important factor in preventing unexpected – and unwanted – costs. The interest on your loan is assessed daily, so it’s important to make all your payments on time. When you make a late payment, you not only pay more in interest, but you may also have to pay late fees. Late payments happen more easily than you’d think. For example, lost mail or bank holidays can cause your payment to post late. And forgetting to make a payment can happen to anyone. MyHDFS.com allows you to set-up recurring payments, make a one-time payment, or enroll in paperless statements – all online. Visit the Payments page to begin managing your account online – and making sure your payments post on time, every time.

Managing Recurring Payments

What is an automatic/recurring payment?

An automatic or recurring payment is a regularly scheduled payment. This means the payment will automatically be taken from a designated checking account on a schedule (Bi-Weekly, Monthly) set by the account holder. If you would like to setup automatic/recurring payments, eCheck must be selected. The option to select credit card as your payment method is only available for single payments. Automatic/recurring payments can be stopped at any time by the account holder.

Please note: When the account is paid in full, it is the account holder's responsibility to stop the automatic/recurring payment.

How do I set up recurring payments?

Please note: You must have your Checking/Savings Account routing and bank account numbers to use this feature.

1. Go to the Account Activity page, and select the appropriate account from the drop-down menu
2. Click the "Make Payment" button.
3. Enter the Harley-Davidson^® Financial Services account number and last four digits of the primary account holder’s social security number.
4. Agree to the Service terms by clicking "Continue."
5. Click on the Schedule Recurring Payment link and Add a Recurring Payment Link.
6. Select Electronic Check from the drop down menu.
7. Enter a nickname for the bank account (i.e. the name of your bank).
8. Enter the bank routing and account number information for the account you want to make the payment from.
   
   Note: It is very important that you accurately select Checking or Savings account.
   
   
9. Click Submit to save the banking info.
10. Select the bank account with the last four digits you entered from the drop down menu.
11. Enter the payment amount, the date you would like the recurring payment to start, choose your end date selection, and payment frequency.
    
    Note: Please keep in mind your full payment must be received by the due date if you are selecting anything other than monthly.
    
    
12. Click “Continue.”
13. At the Confirmation screen, review all information for accuracy, and click "Confirm" to submit payment or "Cancel" to change, edit, or cancel the transaction.
14. The confirmation number will appear; please keep for your records.

How do I change my recurring payment amount?

1. Go to the Account Activity page, and select the appropriate account from the drop-down menu.
2. Click the "Make Payment" button.
3. Enter the Harley-Davidson^® Financial Services account number and last four digits of the primary account holder’s social security number.
4. Agree to the Service terms by clicking "Continue."  
5. Click on the "Make a Retail Payment” tab on the left side of the screen.
6. Select the recurring payment tab from the top row.
7. Select the account you have set up and click "Edit Payment." Change the amount you want HDFS Bill Pay to withdraw from your checking account in the "Payment Amount" box, and click continue.
8. Review the changes you have made and click "Confirm." The confirmation number will appear; please keep for your records.

How do I change my recurring payment date?

1. Go to the Account Activity page, and select the appropriate account from the drop-down menu.
2. Click the "Make Payment" button.
3. Enter the Harley-Davidson^® Financial Services account number and last four digits of the primary account holder’s social security number.
4. Agree to the Service terms by clicking "Continue."
5. Click on the "Make a Retail Payment” tab on the left side of the screen.
6. Select the recurring payment tab from the top row.
7. Select the account you have set up and click "Edit Payment."
8. Change the date under the "Next Scheduled Payment Date" field, and click "Continue."
9. Review the changes you have made and click "Confirm." The confirmation number will appear; please keep for your records.

How do I change my recurring eCheck bank account information?

1. Go to the Account Activity page, and select the appropriate account from the drop-down menu.
2. Click the "Make Payment" button.
3. Enter the Harley-Davidson^® Financial Services account number and last four digits of the primary account holder’s social security number.
4. Agree to the Service terms by clicking "Continue."
5. Click on the "Make a Retail Payment” tab on the left side of the screen.
6. Select the recurring payment tab from the top row.
7. Select the account you have set up and click "Edit Payment."
8. In the Payment Method section, select "eCheck" and click "Continue."
9. Fill in the new bank account information and click "Continue."
10. Review the changes you have made and click "Confirm." The confirmation number will appear; please keep for your records.

How do I stop my recurring payment?

1. Go to the Account Activity page, and select the appropriate account from the drop-down menu.
2. Click the "Make Payment" button.
3. Enter the Harley-Davidson^® Financial Services account number and last four digits of the primary account holder’s social security number.
4. Agree to the Service terms by clicking "Continue."
5. Click on the "Make a Retail Payment” tab on the left side of the screen.
6. Select the recurring payment tab from the top row.
7. Select the recurring payment you have set up and click "Stop Payment." The next screen will confirm the change you want to make.
8. Once you have reviewed the information, click "Confirm." The confirmation number will appear; please keep for your records.

Making Payments by Mail, Phone or Wire

Where should I mail my payment?

Payments in the form of a personal check, cashier's check or money order should be sent via regular mail to the following address:

Harley Davidson Credit Corp
Dept 15129
Palatine, IL 60055-5129

Or send the payment overnight, certified or next day air to the following address:

Harley-Davidson Credit Corp.
Dept. 15129
5503 N. Cumberland Ave
Chicago, IL 60656

Please include your account number on the payment.

Can I make a payment via telephone?

Yes. Call toll-free: 1-888-MY1-HDFS (1-888-691-4337)

Please have your debit card information or bank routing and checking account numbers available when you call. Payments made by telephone will be applied to your account the next business day.

Please note: For telephone-assisted payments, you may be charged a processing fee as allowed by your contract and state or federal law; this fee will not exceed $12.00.

Are there any alternative payment methods that can be used to expedite a payment?

Alternative payment options include Western Union^® Quick Collect^®, MoneyGram^® or bank wire transfer.

Your bank, Western Union or MoneyGram may charge an additional fees for this service.

Please call our Rider Services Department at 1-888-MY1-HDFS (1-888-691-4337) to request bank wire information.

Payment Issues

I attempted to use the Harley-Davidson^® online payment site, but the system does not recognize my account number, date of birth and/or Social Security number. Why is this happening?

Please verify that we have your correct information. Call toll-free: 1-888-MY1-HDFS (1-888-691-4337)

I believe my card / account number was used fraudulently for a Harley-Davidson^® payment. What can I do?

If you suspect that your card was used fraudulently, you should work directly with your financial institution(s) to resolve the issue. Your financial institution(s) should provide an avenue for disputing and settling fraudulent payments.

I want a better interest rate on my bike? Can I refinance my loan?

HDFS does not offer a refinance program at this time.

Is it important to make my payments on time?

Making your loan payments on time is an important factor in preventing unexpected – and unwanted – costs. The interest on your loan is assessed daily, so it’s important to make all your payments on time. When you make a late payment, you not only pay more in interest, but you may also have to pay late fees. Late payments happen more easily than you’d think. For example, lost mail or bank holidays can cause your payment to post late. And forgetting to make a payment can happen to anyone. MyHDFS.com allows you to set-up recurring payments, make a one-time payment, or enroll in paperless statements – all online. Visit the Payments page to begin managing your account online – and making sure your payments post on time, every time.

Is my loan eligible for benefits under the Servicemembers Civil Relief Act (SCRA)? How do I apply?

One of our Servicing Support Representatives can determine if you are eligible for benefits under the SCRA. To begin the process, submit Activation Orders electronically or by mail to:

Fax: (775) 886-3971
Email: [email protected] 
Mailing Address:

Harley-Davidson Financial Services, Inc.
Attention: Rider Services
PO Box 22048
Carson City, NV 89721-2048

After 48 business hours you may contact us to confirm receipt of your activation orders at 1-877-877-7370, option 4.

Read more about SCRA and Military Allotment.

How do I set up recurring payments?

Please note: You must have your Checking/Savings Account routing and bank account numbers to use this feature.

1. Go to the Account Activity page, and select the appropriate account from the drop-down menu
2. Click the "Make Payment" button.
3. Enter the Harley-Davidson^® Financial Services account number and last four digits of the primary account holder’s social security number.
4. Agree to the Service terms by clicking "Continue."
5. Click on the Schedule Recurring Payment link and Add a Recurring Payment Link.
6. Select Electronic Check from the drop down menu.
7. Enter a nickname for the bank account (i.e. the name of your bank).
8. Enter the bank routing and account number information for the account you want to make the payment from.
   
   Note: It is very important that you accurately select Checking or Savings account.
   
   
9. Click Submit to save the banking info.
10. Select the bank account with the last four digits you entered from the drop down menu.
11. Enter the payment amount, the date you would like the recurring payment to start, choose your end date selection, and payment frequency.
    
    Note: Please keep in mind your full payment must be received by the due date if you are selecting anything other than monthly.
    
    
12. Click “Continue.”
13. At the Confirmation screen, review all information for accuracy, and click "Confirm" to submit payment or "Cancel" to change, edit, or cancel the transaction.
14. The confirmation number will appear; please keep for your records.

Late Payments

I made a payment. Why am I receiving courtesy calls about a "past-due" amount?

Courtesy calls will be discontinued once your payment is processed for the entire amount due. Any past due amount on the account could generate payment reminder calls. Past due amounts are up to and including regularly scheduled payment amounts, interest, late fees or any additional fees assessed on the account.

If my payment does not clear the first time it is submitted, will it be submitted again?

All payments – whether personal checks, electronic payments, or payments made by phone – may be submitted more than once. Any fees associated with this process are your responsibility.

Does Harley-Davidson^® Financial Services offer a grace period for late payments?

No. All payments should be made on or before the due date listed in your contract and on your statement. Any payment received after your due date is considered late. As a result, you may receive courtesy calls regarding that late payment any day following your due date.

Further, late fees will be charged if we do not receive your payment within 10 days from your due date.

How can I extend (skip) a payment on my loan account?

To submit a written request, visit the Contact Us page or call us toll-free at 1-888-MY1-HDFS (1-888-691-4337) to talk to a Rider Services Representative.

A Rider Services Representative will review your account to determine if you may qualify. They will also be able to answer more detailed questions you may have about how extending the payment term of your loan affects your account.

Please Note: This does not affect the terms of your contract.  Because your loan is a simple interest loan, interest will continue to accrue each day on the unpaid balance from the date of your last payment until the next payment you make.

Is it important to make my payments on time?

Making your loan payments on time is an important factor in preventing unexpected – and unwanted – costs. The interest on your loan is assessed daily, so it’s important to make all your payments on time. When you make a late payment, you not only pay more in interest, but you may also have to pay late fees. Late payments happen more easily than you’d think. For example, lost mail or bank holidays can cause your payment to post late. And forgetting to make a payment can happen to anyone. MyHDFS.com allows you to set-up recurring payments, make a one-time payment, or enroll in paperless statements – all online. Visit the Payments page to begin managing your account online – and making sure your payments post on time, every time.

Paying in Full

I would like to pay my loan in full. Where should I send that payment?

Payments in the form of a personal check, cashier's check or money order should be sent via regular mail to the following address:

Harley Davidson Credit Corp
Dept 15129
Palatine, IL 60055-5129

Or send the payment overnight, certified or next day air to the following address:

Harley-Davidson Credit Corp.
Dept. 15129
5503 N. Cumberland Ave
Chicago, IL 60656

You may also contact the Rider Services Department at 1-888-MY1-HDFS (1-888-691-4337) to request bank wire transfer information. Your bank may charge a fee for this transfer. 

Please include your account number on the payment.

How do I request the amount required to pay my loan in full?

You should call our automated account information line, toll-free, at 1-888-MY1-HDFS (1-888-691-4337) to obtain the amount required to pay your loan in full.

Information is available 24 hours a day in English and Spanish.

Please note: You will need your account number or Social Security Number to access the system.

Please include your account number on the payment.

Why is my payoff quote larger than my balance?

The balance on your statement is your principal balance. It does not include any interest. The payoff quote will include accrued interest from the date of the last payment, up to, the “good through” date on the payoff quote given.

What is Multi-Factor Authentication (MFA)?

Multi-Factor Authentication (MFA) is a well-vetted method to improve your account security and help protect your personal information. It provides an extra layer of protection on top of your MyHDFS password. MFA is increasingly being used by service providers around the country, such as banks, credit card companies, and even social media providers to strengthen the security of their systems. When MFA is enabled, the MyHDFS Login will require two factors for a successful login. The first factor is to log-in using your MyHDFS Username and password. The second factor will be a one-time authorization code sent to your device or email address.

Why is Multi-Factor Authentication required?

The Federal Trade Commission (FTC) has finalized changes to the Standards for Safeguarding Customer Information rule (Safeguards Rule of 2003) under the Gramm-Leach-Bliley Act (GLBA). The updated Safeguards Rule amends the FTC’s 2003 Safeguards Rule and requires financial institutions to implement Multi-Factor Authentication (MFA) to protect customer financial information.

Need help with updating your phone number or email?

To update your phone number please click the "Profile" link, then click on the "+" sign next to the description of your motorcycle. Under "Billing Information" click "Edit" then enter your new phone number and click "Save". Please allow 24-48 business hours for changes to take effect.

View Video Audio Script

Insurance and Other Products

How do I cancel my Extended Service Contract (warranty), Guaranteed Asset Protection (GAP) plan or Debt Protection plan?

To cancel your Extended Service Contract, Guaranteed Asset Protection (GAP) plan or Debt Protection plan, contact your local Harley-Davidson^® authorized dealership.

How do I report a total loss insurance claim if my motorcycle is damaged or stolen?

If you are unfortunate enough to suffer damage to your motorcycle or if it is stolen, you should report the incident to your insurance company as soon as possible. Most insurers provide a claims helpline, usually located on your Insurance ID Card or policy, that you should call to begin the claims process.

You will need to provide the following information to your insurance company:

• policy number
• the date of the accident or loss
• personal details

The claims representative may advise you of additional documentation needed to pursue your claim. Please contact Harley-Davidson^® Financial Services after you speak with your insurance provider about the claim, or have your insurance provider contact us with the information.

I need an insurance repair check endorsed. Where should I send it?

Send your insurance check to:

Harley-Davidson Credit
PO Box 21790
Carson City, NV 89721-1790

Please include your account number, along with the proof of the repair or estimate, with the insurance check.

Where do I send my insurance information?

Please make sure that your coverage includes comprehensive, theft and collision and has a "loss payee" and "additional insured endorsement," and that this information is disclosed on your policy. Then send your insurance information to:

Harley-Davidson Credit
PO Box 21750
Carson City NV 89721-2047

Please include your account number with the insurance information.

Motorcycle Title, Tags and Registration

My temporary registration tag from the dealer has expired. What do I do?

You will need to call the title clerk at the dealership that sold you your motorcycle to determine if your paperwork has been processed with the Department of Motor Vehicles or tag agency.

Each state and dealership has a different timeline for processing this request.

I have moved to a different state and need to get new registration tags. What should I do?

Visit your local tax office or Department of Motor Vehicles and tell them you are a new resident of their state and would like to register and title your motorcycle. If asked for lienholder information, tell them that Eaglemark Savings Bank is the lienholder of the vehicle.

Lienholder Address information:

Eaglemark Savings Bank
PO Box 277940
Sacramento, CA 95827

If you are asked for title information, tell them that Harley-Davidson^® Financial Services can provide them with a faxed copy of the motorcycle title, which may be requested via fax at 1-800-700-2367, or you may request via phone at 1-866-433-7562. 

If the original title is needed to complete a state-to-state transfer, a written request must be received from the Department of Motor Vehicles or tag agency before the title can be processed for the transfer.

What do I need to do if I must take my Harley-Davidson^® Motorcycle out of the United States?

If you need to take your motorcycle out of the country, visit the Contact Us page or call 1-888-MY1-HDFS (1-888-691-4337), and a Rider Services Representative will assist you.

Learn more about Letters of Transport.

When will I receive my motorcycle title?

If your loan was paid in full via personal check, credit card, money order or cashier's check, in most cases your title will be mailed 10-14 business days from the date that the payment was processed.

If your loan was paid in full by an insurance check (e.g. after a total loss), your title will be mailed 10-14 business days from the date that the payment was processed.

If your loan is paid off by business check (e.g. escrow check) your title will be to be mailed 10-14 business days from the date that the payment was processed.

Please allow 7-10 days for receipt.

To submit written inquiries, visit the Contact Us page. Please note that in some circumstances the original title may have to be released to a Department of Motor Vehicles, a subsequent lienholder, or another financial institution.

What should I do if I paid my motorcycle loan in full and then lost or never received my title?

Visit the Contact Us section of this website and request a "release of lien." Once your request is processed, we will then process the lien release. To expedite your request, please include your account number in your request so that your account can be located quickly.

Help and Support

How do I contact Rider Services?

To submit written inquiries, visit our Contact Us page or call 1-888-MY1-HDFS (1-888-691-4337) to contact a Rider Services Representative.

I have a mechanical problem with my bike. Who can I contact?

HDFS recommends that you contact your local dealership for any concerns you may have regarding your motorcycle.