Easy Ride Financing.
Driving customer loyalty.

eASY rIDE. Product overview.


  • Retail balloon financing product.
  • Provides another financing option for customers.
  • Affordable payments that feel like a lease but provide ownership.
  • Shorter term than retail loans.
  • Customer assumes balloon risk, however that risk is no more than the value of the motorcycle in a traditional longer term loan.

Easy ride. How does it work.

  • Only make payments on a portion of the bike’s total financed amount, with a final balloon payment due at the end of the contract.†
  • Final balloon balance is based on creditworthiness, contract terms, and the estimated future market value of your bike at the end of the Easy Ride balloon financing contract.
  • Your balloon balance is due at the end of your contract. At that time, you will choose one of the below options:
  • Simply pay the balance in full to receive a clear title for your BMW Motorcycle.
  • Apply to refinance your balance.*
  • If you have equity in your bike, you may be able to use the trade-in value to help cover your balance. (Subject to credit approval and dealer requirements.)

*where applicable, certain restrictions may apply


Easy ride. Customer benefits.

  • Affordable payments – improved cash flow.
  • Shorter term – ability to trade more often.
  • Ownership benefits – titled in customer name.
  • No prepayment penalty.
  • No mileage restriction.
  • No excess wear and use charges.
  • No acquisition or disposition fee.
  • Save your cash and add GAP to provide sense of comfort

Easy ride. dealer benefits.

  • Lower monthly payment – overcome price objection.
  • Shorter ownership cycle – ability to sell more motorcycles to same customer.
  • Higher Customer Retention – 2.5 times higher than traditional loan.
  • Balloons conservatively set, allows you to confidently take it on trade.
  • Good source of used inventory.
  • Potential for F&I sales.

eASY rIDE. who might be a good fit.

  • Payment-conscious.
  • Looking to upgrade to a new BMW, but think it may be out of reach.
  • Trading frequently.
  • Expecting a future increase in available cash, but want ownership now.
  • Cash buyers.
  • Want to break the negative equity and/or trade-negotiating cycle.

***TMSi training course, “MS081 Easy Ride” for additional training.

Got questions about our Easy Ride Financing or any of the other BMW Programs available at Northern California BMW Motorcycles? Contact us now by filling the form below, and one of our helpful experts will be happy to assist. Once you’re ready for a test ride, come on down and visit your nearest BMW motorcycle dealership in Northern California or Central California as soon as possible. We look forward to seeing you soon!


Learn More about Easy Ride Financing Today!

† BMW Easy Ride balloon financing is a retail installment contract offered exclusively through BMW Financial Services NA, LLC. BMW Easy Ride is not available in NV, ND, NH, PA, and WV. Financing is available to well-qualified customers financing their purchase of BMW Motorcycle from participating BMW Motorrad Dealers through BMW Financial Services. Final balloon payment amount depends upon creditworthiness, contract terms, and estimated future market value of the financed motorcycle at the end to the BMW Easy Ride contract term. The balloon payment is substantially larger than each prior scheduled monthly payment. All trade-ins are subject to your BMW Motorrad Dealer’s requirements, inspections, and approval. Contact your BMW Motorrad Dealer for additional trade-in information.