Pay over time with ExtendPay

ExtendPay provides a payment option that allows qualified cardmembers to divide eligible purchases over $100 into affordable monthly payments with no interest – just a fixed monthly fee.

For Harley‑Davidson purchases of $100 or more, eligible cardmembers have access to a special 6-month ExtendPay Plan with no interest and no fees.

Cardmembers will need to create the plan post-purchase through their H‑D Visa online account within 60 days of the purchase.

Most cardmembers in good standing who have used their card in the last 17 months will be qualified for ExtendPay. To confirm prior to making a purchase, you can:

1. Check your H‑D Visa online account for the ExtendPay banner that reads "Split large expenses into fixed monthly payments" in the Transactions section.
2. Call the number on the back of your card for assistance.

If you are qualified, you will see a banner that says "Split large expenses into fixed monthly payments" in your H-D Visa online account within 60 days of your purchase. From there, you will select "Set up new ExtendPay Plan" and then:

• Select eligible purchase(s)
• Choose your preferred monthly duration
• Review and confirm plan details
• Accept the plan terms

Once completed, you will receive a confirmation email and can view your active plans within your online account.

For transactions to be eligible for ExtendPay, they need to be:

• more than $100
• purchased within 60 days prior to creating an ExtendPay Plan
• made at your regular purchase APR (not a promotional APR that existing cardmembers sometime receive)
• below 50% of your credit limit
• less than your available purchase balance when you create the ExtendPay Plan 

ExtendPay Plan eligibility may change based on their credit card account activity.

For eligible purchases outside of H-D, you can choose a range of repayment options depending on the total of your ExtendPay Plan:

• 3-month option for an ExtendPay Plan from $100 to $1,999.99
• 6-month option for an ExtendPay Plan from $100 to $4,999.99
• 12-month option for an ExtendPay Plan from $100 up to 50% of credit line
• 18-month option for an ExtendPay Plan from $2,000 up to 50% of the credit line
• 24-month option for an ExtendPay Plan from $5,000 up to 50% of credit line

A qualified cardmember can create as many ExtendPay Plans as they’d like, up to 50% of their credit limit.

Yes, you can bundle purchases to create one plan. Eligible Harley‑Davidson purchases may be bundled with other eligible Harley‑Davidson purchases. Other eligible purchases can be bundled separately.

The amount due for the ExtendPay Plan will be added to the minimum payment due for the other purchases on your credit card which becomes the minimum adjusted payment. The minimum adjusted payment must be paid based on the terms of the card.