HDFS offers loans both to retail customers and Harley dealers, who finance the bikes that sit in their showrooms.
Dealers can also earn incentives in the form of lower interest rates if they push a certain percentage of customers' loans and motorcycle insurance to HDFS.
"We'd be crazy not to use," says Mark Barnett, a high-volume Harley dealer in El Paso, Tex., who says 83% of the new bikes he sells are financed through the unit.
While HDFS made 38% of all retail loans for Harleys five years ago, that proportion now exceeds half.
Image: A 113 cubic inch (1850cc) New Zealand built Harley Davidson custom motorcycle | Photograph: Ross Land/Getty Images
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