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The APR may vary based on the applicant’s past credit performance and the term of the loan. 3.49% APR offer is available on new Harley‑Davidson ® motorcycles to high credit tier customers at ESB and only for up to a 60 month term. Financing Offer available only on new Harley‑Davidson ® motorcycles financed through Eaglemark Savings Bank (ESB) and is subject to credit approval.