UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 8-K

CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): ~~September~~January 296, ~~2025~~2026

CNH Industrial Capital LLC

(Exact name of registrant as specified in its charter)

Delaware (State or other jurisdiction of incorporation)	000-55510 (Commission File Number)	39-1937630 (IRS Employer Identification No.)

1 CNH Way Waterford, Wisconsin (Address of principal executive offices)		53185 (Zip Code)

(262) 636-6011
(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

¨	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act: None

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 under the Securities Act (17 CFR 230.405) or Rule 12b-2 under the Exchange Act (17 CFR 240.12b-2).

Emerging growth company ¨

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

Item 2 8.~~03.~~01 ~~Creation~~Other ~~of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant~~Events.

~~The information~~On ~~set~~January ~~forth~~6, ~~under~~2026, ~~Item~~CNH 8Industrial N.01V. ofissued a ~~this~~press ~~Current~~release ~~Report~~announcing onthat ~~Form~~its ~~8-K~~wholly owned subsidiary, ~~including~~CNH ~~Exhibits~~Industrial Capital LLC (“CNH Capital”), priced $500 million aggregate principal amount of CNH Capital’s 4.1375% ~~and~~notes 4due 2031.2 ~~hereto~~The notes will mature on March 7, is2031. ~~incorporated~~Interest on the notes will be paid on March 7 and September 7 of each year, commencing on March 7, 2026. The notes will be guaranteed by ~~reference~~CNH Industrial Capital ~~into~~America ~~this~~LLC ~~Item~~and 2New Holland Credit Company, LLC, each a wholly owned subsidiary of CNH Capital.03 The net proceeds of the offering are intended to be added to CNH Capital’s general funds and used for working capital and other general corporate purposes, including, among other things, the purchase of receivables or other assets in the ordinary course of business. The net proceeds may also be applied to repay CNH Capital’s indebtedness as it becomes due.

~~Item~~The notes and the related guarantees are being 8offered and sold under a registration statement on Form S-3ASR (Registration Nos. 333-285756, 333-285756-01, 333-285756-02), filed with the Securities and Exchange Commission (the “SEC”) on March 12, 2025. ~~Other~~CNH ~~Events~~Capital and the guarantors have also filed with the SEC a prospectus supplement, dated January 6, 2026, together with the accompanying prospectus, dated March 12, 2025, in connection with the offering of the notes and the related guarantees. A copy of the press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and incorporated herein by reference.

~~On September~~Safe ~~29,~~Harbor ~~2025,~~Statement ~~CNH~~Under Industrial Capital LLC, a wholly-owned subsidiary of CNH Industrial N.V. (“CNH Capital”), completed its previously announced offering of $500 million in aggregate principal amount of CNH Capital’s 4.500% notes due 2030 (the ~~“Notes”) with~~Private ~~an issue price of 99.765%, pursuant to an Underwriting Agreement, dated September 25, 2025, among CNH Capital, the Guarantors (as defined below) and Citigroup Global Markets Inc., Mizuho~~ Securities ~~USA~~Litigation ~~LLC, RBC Capital Markets, LLC and Wells Fargo Securities, LLC,~~Reform asAct ~~representatives~~ of the several underwriters named in Schedule I thereto (the “Underwriting Agreement”). The Notes and the related guarantees were offered and sold under a registration statement on Form S-3ASR (Registration Nos. 333-285756, 333-285756-01, 333-285756-02), filed with the Securities and Exchange Commission (the “SEC”) on March 12, 2025 (the “Registration Statement”). CNH Capital and the Guarantors have also filed with the SEC a prospectus supplement, dated September 25, 2025, together with the accompanying prospectus, dated March 12, 2025, in connection with the offering of the Notes and the related guarantees.1995

~~The Notes~~This ~~were~~Current ~~issued~~Report ~~pursuant~~on toForm an8-K, ~~Indenture~~including Exhibit 99.1, ~~dated~~contains ~~July~~“forward-looking 2,statements” ~~2020~~within (the ~~“Indenture”),~~meaning ~~among~~of ~~CNH~~the ~~Capital,~~Private ~~CNH~~Securities ~~Industrial~~Litigation ~~Capital~~Reform Act of 1995. All ~~America~~statements ~~LLC~~other ~~and~~than ~~New~~statements ~~Holland~~of ~~Credit~~historical ~~Company,~~fact ~~LLC~~contained ~~(together~~herein ~~with~~are ~~CNH~~forward-looking ~~Industrial~~statements. ~~Capital~~These ~~America~~forward-looking ~~LLC~~statements may include terminology such as “may,” ~~the~~“will,” “~~Guarantors~~expect,”) ~~and~~“could,” “should,” ~~Citibank~~“intend,” ~~N.A.~~“estimate,” as“anticipate,” ~~trustee~~“believe,” ~~(the~~“outlook,” “~~Trustee~~continue,”) “remain,” “on track,” “design,” “target,” “objective,” “goal,” or similar terminology. The forward-looking statements involve risks and anuncertainties ~~Officers’~~that ~~Certificate~~could ofcause ~~the~~actual ~~Company,~~results ~~dated~~to ~~September~~differ ~~29,~~(possibly materially) ~~2025~~from such forward-looking statements, ~~pursuant~~ toincluding ~~Sections~~the ~~2.01~~risks and ~~3.01~~uncertainties ofdiscussed in our recent filings with the ~~Indenture~~SEC. We (can give no assurance that the ~~“Officers’~~expectations ~~Certificate”)~~reflected in such forward-looking statements will prove to be correct. We undertake no obligation to update or revise publicly any forward-looking statements.

~~The Notes~~Item ~~bear interest at a rate of 4~~9.~~500%~~01 ~~per~~Financial ~~annum~~Statements and ~~mature on October 16, 2030~~Exhibits. Interest on the Notes will be payable semi-annually on April 16 and October 16 of each year, commencing on April 16, 2026, to the holders of record of such Notes at the close of business on April 2 or October 2, respectively, preceding such interest payment date. The Indenture contains covenants that limit, among other things: (i) the ability of CNH Capital and its restricted subsidiaries to incur secured debt or enter into sale and leaseback transactions; and (ii) the ability of CNH Capital and the Guarantors to consolidate, merge, convey, transfer or lease all or substantially all of their respective properties and assets. These covenants are subject to important exceptions and limitations.

~~The Notes will be redeemable, at the option of CNH Capital, in whole or in part at any time and from time to time, at a redemption price equal to the greater of~~ (id) ~~the make-whole amount set forth in the Officers’ Certificate and (ii) 100% of the principal amount thereof, plus, in either case, accrued and unpaid interest, if any, thereon to the redemption date~~Exhibits.

The description set forth above is qualified in its entirety by the Underwriting Agreement, the Officers’ Certificate, the form of the Notes and the Indenture. Copies of the Underwriting Agreement, the Officers’ Certificate and the form of the Notes are attached hereto as Exhibits 1.1, 4.1 and 4.2, respectively, and incorporated herein by reference, and the Indenture (which contains the form of the guarantees) was filed as Exhibit 4.3 to the Current Report on Form 8-K filed on July 2, 2020.

Exhibit Number		Description

Exhibit 99.1		Press Release “Pricing of CNH Industrial Capital LLC $500 million notes” dated January 6, 2026.
Exhibit 104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

~~Item 9.01. Financial Statements and Exhibits.~~SIGNATURE

~~(d) Exhibits~~Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Exhibit Number		Description
	CNH INDUSTRIAL CAPITAL LLC
Exhibit 1.1		Underwriting Agreement, dated September 25, 2025, among CNH Capital, the Guarantors and Citigroup Global Markets Inc., Mizuho Securities USA LLC, RBC Capital Markets, LLC and Wells Fargo Securities, LLC, as representatives of the several underwriters named in Schedule I thereto.
Date: January 6, 2026	By:	/s/ Daniel Willems Van Dijk
Exhibit 4.1		Officers’ Certificate, dated as of September 29, 2025.
		Daniel Willems Van Dijk
Exhibit 4.2		Form of 4.500% Note due 2030 (included in Exhibit 4.1).
		Chief Financial Officer
Exhibit 5.1		Opinion of Sullivan & Cromwell LLP.
Exhibit 23.1		Consent of Sullivan & Cromwell LLP (included in Exhibit 5.1).
Exhibit 104		Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	CNH INDUSTRIAL CAPITAL LLC
Date: September 29, 2025	By:	/s/ Daniel Willems Van Dijk
		Daniel Willems Van Dijk
		Chief Financial Officer

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