CNH Industrial Capital America LLC

06/22/2026 | Press release | Distributed by Public on 06/22/2026 15:06

Free Writing Prospectus (Form FWP)

Filed Pursuant to Rule 433

Dated June 22, 2026

Registration Statement Nos. 333-285756, 333-285756-01, 333-285756-02

Relating to Preliminary Prospectus Supplement dated June 22, 2026
and Prospectus dated March 12, 2025

CNH INDUSTRIAL CAPITAL LLC

$600,000,000 4.950% NOTES DUE 2031

Issuer: CNH Industrial Capital LLC
Guarantors: CNH Industrial Capital America LLC and New Holland Credit Company, LLC
Expected Ratings (Moody's / S&P / Fitch):* Baa2 / BBB / BBB
Form: SEC Registered
Principal Amount: $600,000,000
Trade Date: June 22, 2026
Settlement Date:** June 25, 2026 (T+3)
Maturity Date: June 25, 2031
Interest Payment Dates: June 25 and December 25, commencing December 25, 2026
Coupon: 4.950% per annum
Price to Public: 99.615% of the principal amount, plus accrued interest from June 25, 2026 if settlement occurs after that date
Net Proceeds to Issuer Before Expenses: $594,090,000
Benchmark Treasury: UST 4.125% due May 31, 2031
Spread to Benchmark Treasury: +75 basis points
Benchmark Treasury Price and Yield: 99-09 / 4.288%
Yield to Maturity: 5.038%
Optional Redemption: Make-whole call prior to May 25, 2031 based on U.S. Treasury +0.15% (15 basis points) or at par on or after May 25, 2031
Change of Control: 101%
Denominations: $2,000 x $1,000
CUSIP / ISIN: 12592B AX2 / US12592BAX29
Joint Book-Running Managers:

BofA Securities, Inc.

Deutsche Bank Securities Inc.

Goldman Sachs & Co. LLC

Santander US Capital Markets LLC

Intesa Sanpaolo IMI Securities Corp.

Mizuho Securities USA LLC

UniCredit Capital Markets LLC

Wells Fargo Securities, LLC

* Note: A securities rating is not a recommendation to buy, sell or hold securities and may be subject to revision or withdrawal at any time.

** Pursuant to Rule 15c6-1 under the Securities Exchange Act of 1934, trades in the secondary market generally are required to settle in one business day unless the parties to any such trade expressly agree otherwise. Accordingly, purchasers of the notes who wish to trade the notes before the first business day prior to the specified settlement date will be required, by virtue of the fact that the notes initially will settle in T+3, to specify an alternative settlement cycle at the time of any such trade to prevent failed settlement. Purchasers of the notes who wish to trade the notes before the first business day prior to such settlement date should consult their own advisor.

The issuer has filed a registration statement (including a prospectus) and a preliminary prospectus supplement with the SEC for the offering to which this communication relates. Before you invest, you should read the prospectus in that

registration statement, the preliminary prospectus supplement and other documents the issuer has filed with the SEC for more complete information about the issuer and the offering. You may get these documents for free by visiting EDGAR on the SEC's website at www.sec.gov. Alternatively, the issuer, any underwriter or any dealer participating in the offering will arrange to send you the prospectus and the preliminary prospectus supplement if you request them by contacting BofA Securities, Inc. at its toll-free number at 1-800-294-1322; Deutsche Bank Securities Inc. at its toll-free number at 1- 800-503-4611 or by email at [email protected]; Goldman Sachs & Co. LLC at its toll-free number at 1-866-471- 2526; or Santander US Capital Markets LLC at its toll-free number at 1-855-403-3636.

CNH Industrial Capital America LLC published this content on June 22, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on June 22, 2026 at 21:06 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]