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Traditional Financing

When you finance your BMW Motorcycle through BMW Financial Services, you benefit from the fact that they love BMW Motorcycles as much you do. BMWFS knows how well BMW Motorcycles hold their value and how much fun they are to ride.

Simply decide on your dream BMW and let us provide flexible financing on the spot to help you ride it home. BMWFS offers you options to customize your loan precisely – low competitive rates, no down payment (subject to credit approval) and terms up to 72 months.

Ownership: When you finance the purchase of your new BMW Motorcycle, your name goes on the title and when your loan period ends, you become the outright owner. You can sell your BMW Motorcycle or trade it in at any time. You can even trade it in on a new ‘3asy Ride‘ BMW Motorcycle using the value of the motorcycle to reduce your new monthly ‘3asy Ride‘ payments.

No mileage restrictions: When you purchase your BMW Motorcycle, there is no restriction on the number of miles you ride.

Additional benefits: As part of the BMW family, BMWFS knows BMW Motorcycles like no other lender. They’ve also designed their services to meet the expectations of BMW riders. That’s why you’ll find BMWFS’s performance matches that of the motorcycle they finance.

To apply for traditional financing through BMWFS the first step is to complete and submit one of their credit applications.


There are two ways to submit a credit application to BMW Financial Services.

1) You can view the BMWFS credit application by opening the pdf version here. Please be sure to complete as much of the application as possible and then send us a copy via fax (415-625-2898) or e-mail ( ). When you send a completed credit application to us we will submit it to BMWFS on your behalf at which point BMWFS will run a credit inquiry through one of the credit bureaus. After BMWFS has made a decision regarding your application, one of our sales staff will contact you with the results.


2) If you’d rather not deal with paper, fax machines, scanners and all that you can also use BMWFS’s online credit application system that can be accessed here.

Unfortunately, BMW’s website can be a little bit confusing because you have to go through the ‘Payment Estimator’ system before you can actually submit a credit application. Here are detailed instructions:

  1. Access the BMW Payment Estimator to compare financing options and determine a payment (links above take you to the ‘Payment Estimator’)
  2. Apply for credit using your preferred payment option

There is no cost or obligation when you submit an application, and your personal information is protected and shared only with your selected BMW Center. Please read BMW’s “Privacy Policy” for more privacy and security information.

Once you proceed to the application, here’s how it works:

  1. Confirm that the motorcycle you are interested in buying is correctly shown in step one after hitting the ‘Continue’ button.
  2. Confirm the BMW Center where you would like BMWFS to send the application (hopefully this will be BMW Motorcycles of San Francisco but we understand if you’re out of the area)
  3. Enter information about you and your co-applicant (if you have one)
  4. Enter information about your employment and finances
  5. Your application will be encrypted for security, transmitted to BMW Financial Services and processed through us (or your selected BMW Center). On the business day after submitting your application we (or your selected BMW Center) will automatically receive your credit decision and information from your consumer credit report.
  6. If you submit your application during normal business hours (Monday – Friday, 8am – 5pm EST), you will receive an e-mail decision from BMW Financial Services within 24 hours of your submission.
  7. If approved, your approval will remain valid so long as you complete the financing transaction and take delivery of your vehicle withing 60 days from date of application.


The BMWFS On-line Credit Application is for U.S. residents only (applying as individuals, not as a business). This is an official credit application and, as such, a credit bureau inquiry under your name will be processed each time you submit an application. Any credit approval is valid at the selected BMW Center only and is subject to finalization of vehicle selection and financing structure by your chosen BMW Center. If a higher credit line is required, additional information may be requested by your BMW Center.

If you prefer to fill out the BMWFS credit application at our dealership please be aware that approvals and/or denials from BMWFS usually take 15-60 minutes to process. So you might have to enjoy our customer lounge and a free cup of coffee while you wait… Hopefully, that’s okay.

If you have questions PLEASE call our sales department at 951-395-0675 or e-mail us at so we can assist you with the BMWFS Credit Application.

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While great effort is made to ensure the accuracy of the information on this site, errors can occur.
Please verify all pricing information with a customer service representative.
This is easily done by calling us or visiting us at the dealership.