Eaglemark Savings Bank, operating as Harley-Davidson Financial Services (HDFS), provides financing solutions for Harley-Davidson motorcycles, related products, and services. They are essentially the in-house finance arm of Harley-Davidson, designed to support sales and customer loyalty by offering a range of loan and insurance products. One of the primary functions of HDFS is providing retail financing to individuals purchasing new or used Harley-Davidson motorcycles. This allows potential buyers who may not have the cash upfront to acquire their dream bike through installment loans. They offer various loan terms and options, allowing customers to choose a payment plan that fits their budget. HDFS also frequently runs promotional financing offers, such as low interest rates or deferred payment options, to incentivize purchases during specific periods. Beyond motorcycle financing, HDFS extends financing to related Harley-Davidson products and services. This can include parts and accessories to customize the motorcycle, MotorClothes apparel, and even extended service plans (ESP) that provide protection against mechanical failures beyond the factory warranty. By financing these add-ons, HDFS makes it easier for customers to personalize and maintain their bikes, fostering a stronger connection with the Harley-Davidson brand. Insurance products are another key component of HDFS’s offerings. They provide motorcycle insurance policies specifically tailored to Harley-Davidson riders, covering aspects like collision, comprehensive, and liability. The convenience of obtaining insurance directly through HDFS streamlines the purchase process and ensures that riders have appropriate coverage for their motorcycles. They also offer Guaranteed Asset Protection (GAP) insurance, which can cover the difference between the loan balance and the motorcycle’s value in case of a total loss, offering an extra layer of financial security. For Harley-Davidson dealerships, HDFS provides wholesale financing. This helps dealerships maintain an adequate inventory of motorcycles and related products. By extending credit lines to dealerships, HDFS ensures they have the necessary capital to stock their showrooms and offer a wide selection to potential buyers. This supports the entire Harley-Davidson sales network, from the manufacturer to the consumer. HDFS generates revenue through interest income from loans, premiums from insurance policies, and fees associated with their financial products. Their performance is closely tied to the overall sales of Harley-Davidson motorcycles and the financial health of their customers. The strength of the brand, combined with targeted financing options, helps HDFS maintain a competitive edge in the powersports financing market. The accessibility and convenience provided by HDFS plays a significant role in making the Harley-Davidson ownership experience a reality for many riders, ultimately supporting the iconic American brand.