Need help deciding?
Financing a BMW motorcycle and choosing a finance product is a big part of your decision-making process.
That’s why we have created a helpful tool to assist you in choosing the finance option that could be best suited to your circumstances.
1. Would you prefer to own, or hire your BMW motorcycle?
2. At the end of the agreement, would you consider returning the motorcycle and exchanging it for a newer model?
3. Would you prefer to have lower monthly payments and defer an amount to the end* or spread the cost of the motorcycle evenly across the term of your agreement?
Compare Finance Options
| Finance Type | BMW Select (PCP) | BMW Contract Hire | BMW Hire Purchase |
|---|---|---|---|
| Ideal for | Flexibility | Convenience | Simplicity |
| Agreement Length | Between 24 and 48 months | Between 24 and 48 months | Between 24 and 60 months |
| End of Agreement options | Keep, return or part exchange. You decide. | Return your BMW at the end of your term. | Keep the motorcycle, or part-exchange and start a new contract. |
| Deposit Required | Flexible | Flexible | Flexible |
| Fixed Monthly Payments | Yes | Yes | Yes |
| Mileage Resrictions | Yes | Yes | No |
We suggest
BMW Select (Personal Contract Purchase)
Ideal for: Flexibility
With BMW Select you get to enjoy a choice of options at the end of your agreement.
View current offers Request for quote
Agreement length
Between 24 and 48 months
End of agreement options
Keep, return or part exchange. You decide.
Deposit required
Flexible
Mileage restrictions
Yes
How BMW Select (Personal Contract Purchase) works
Set up your agreement
Choose your BMW motorcycle.
Decide your agreement length (between 24 and 48 months), your annual mileage and a deposit amount.
We work out your Optional Final Payment
We take a portion of the cost of your BMW motorcycle and freeze it until the end of your finance agreement. This is your Optional Final Payment and becomes payable if you decide to keep your motorcycle or part-exchange it at the end of your agreement.
The choice is yours
At the end of your agreement, you have the choice of what happens next. Choose the pay the Optional Final Payment and keep the BMW, part exchange it for a new one, or return it to us. Any damage and excess mileage charges apply if you return the motorcycle.
At the end, you decide
Keep the BMW Motorcycle
Settle the final optional payment agreed at the start of your term, and the BMW motorcycle is yours to keep. You can also re-finance this payment, if you don’t want to do it all at once.
Step into a new BMW motorcycle
You can part-exchange your BMW motorcycle towards a new model. We’ll start a new agreement with you at this point.
Return the BMW Motorcycle
If you don’t want to keep it, you can return the BMW motorcycle to us. As long as it’s in good condition and you have not exceeded your agreed contractual mileage, you’ll have nothing more to pay.
What you could pay (An Example)
Representative example is for a BMW Select agreement for a BMW R 12.
| Product | BMW Select |
| Term of agreement | 36 months |
| 35 monthly payments | £129.00 |
| Optional final payment | £6,357.75 |
| Option to Purchase fee | £0.00 |
| On the road cash price* | £12,060.00 |
| Deposit Contribution | £500.00 |
| Your deposit | £1,846.37 |
| Total deposit | £2,346.37 |
| Amount of credit | £9,713.63 |
| Annual Mileage | 5,000 miles |
| Excess mileage | 7.5p per mile |
| Fixed rate of interest | 4.9% fixed |
| A.P.R | 4.9% |
| Total amount payable | £13,219.12 |
Want to learn more?
Next Steps
TERMS AND CONDITIONS
BMW Motorrad UK, a trading name of BMW (UK) Limited is a credit broker and not a lender.
Finance example is for a BMW Select agreement for a BMW R 12. Applies to new motorcycles ordered between 1 October 2026 and 31 December 2026 and registered by 31 December 2026 (subject to availability) at participating BMW Motorrad retailers. Retail customers only. *On the road cash price is based on manufacturer's recommended retail price and includes 3 year BMW Retailer Warranty, BMW Emergency Service, 12 months' road fund licence, motorcycle first registration fee, delivery, number plates and VAT ^Optional final payment and option to purchase fee not payable if you opt to return the motorcycle at the end of the agreement (motorcycle condition, excess mileage and other charges may be payable). Finance available subject to credit acceptance to UK residents aged 18 or over. Guarantees and indemnities may be required. Terms and conditions apply. 'BMW Select' is a form of hire-purchase agreement provided by BMW Motorrad Financial Services, a trading name of BMW Financial Services (GB) Limited, Summit ONE, Summit Avenue, Farnborough, Hampshire GU14 OFB. You will have a 14 day statutory right to withdraw from the agreement. BMW (UK) Limited, trading as BMW Motorrad, introduces customers to BMW Motorrad Financial Services only and does not receive any commission or other payment for the introduction. Your Retailer will receive a fixed commission for introducing customers to BMW Motorrad Financial Services. The introduction does not amount to independent financial advice.
We suggest
BMW Hire Purchase
Ideal for: Simplicity
Deposit + Monthly Payments
With BMW Hire Purchase you pay a deposit then fixed monthly payments, until you end up owning your BMW motorcycle. No fuss, no mileage restrictions.
View current offers Request for quote
Agreement length
Between 24 and 60 months
End of agreement options
Keep the motorcycle, or part-exchange and start a new contract.
Deposit required
Flexible
Mileage restrictions
No
How BMW Hire Purchase works
Set up your agreement
Choose your BMW motorcycle.
Decide your deposit amount and how long you’d like the agreement to last (between 24 and 60 months).
Agree your monthly payment
We then work out what your monthly payments will be. We’ll fix your monthly payments, so things are kept simple.
The choice is yours
At the end of your agreement, your BMW motorcycle is yours to keep.
What you could pay (An Example)
Representative example is for a BMW Select agreement for a BMW R 12.
| Product | BMW Hire Purchase |
| Term of agreement | 36 months |
| 36 monthly payments | £290.20 |
| Purchase fee | £1.00 |
| On the road cash price* | £12,060.00 |
| Deposit Contribution | £500.00 |
| Your deposit | £1,846.37 |
| Total deposit | £2,346.37 |
| Amount of credit | £9,713.63 |
| Fixed rate of interest | 4.9% fixed |
| A.P.R | 4.90% |
| Total amount payable | £12,794.57 |
Want to learn more?
Next Steps
TERMS AND CONDITIONS
BMW Motorrad UK, a trading name of BMW (UK) Limited is a credit broker and not a lender.
Finance example is for a BMW Hire Purchase agreement for a BMW R 12. Applies to new motorcycles ordered between 1 October 2026 and 31 December 2026 and registered by 31 December 2026 (subject to availability) at participating BMW Motorrad Retailers. Retail customers only. *On the road cash price is based on manufacturer's recommended retail price and includes 3 year BMW Retailer Warranty, BMW Emergency Service, 12 months' road fund licence, motorcycle first registration fee, delivery, number plates and VAT. Finance available subject to credit acceptance to UK residents aged 18 or over. Guarantees and indemnities may be required. Terms and conditions apply. BMW Hire Purchase is provided by BMW Motorrad Financial Services, a trading name of BMW Financial Services (GB) Limited, Summit ONE, Summit Avenue, Farnborough, Hampshire GU14 OFB. You will have a 14 day statutory right to withdraw from the agreement. BMW (UK) Limited, trading as BMW Motorrad, introduces customers to BMW Motorrad Financial Services only and does not receive any commission or other payment for the introduction. Your Retailer will receive a fixed commission for introducing customers to BMW Motorrad Financial Services. The introduction does not amount to independent financial advice.
We suggest
BMW Contract Hire
Ideal for: Convenience
Initial Rental + Monthly Rentals
For riders who prefer to hire their motorcycle, not own it.
Please note Contract hire is only available on selected models as advertised.
View current offers Request for quote
Agreement length
Between 24 and 48 months
End of agreement options
Return your BMW at the end of your term.
Initial Rental Required
Flexible
Mileage restrictions
Yes
How BMW Contract Hire works
Set up your agreement
Choose your BMW motorcycle.
Decide your agreement length (between 24 and 48 months), your annual mileage and an initial rental amount.
Agree your monthly rental amount
We then work out your initial and ongoing monthly rentals. We’ll fix the amount you pay each month, so things are kept simple.
The choice is yours
At the end of your agreement simply hand your motorcycle back. As long as you have stayed with your mileage allowance and your BMW motorcycle has been looked after, you’ll have nothing more to pay.
Want to learn more?
Next Steps
TERMS AND CONDITIONS
BMW Motorrad UK, a trading name of BMW (UK) Limited is a credit broker.
Finance is subject to status and available to over 18s in the UK only. Guarantees and indemnities may be required. Retail customers only. Terms and conditions apply. Finance provided by BMW Motorrad Financial Services, a trading name of BMW Financial Services (GB) Ltd, Summit ONE, Summit Avenue, Farnborough, Hampshire GU14 0FB. BMW Motorrad UK, a trading name of BMW (UK) Limited, introduces customers to BMW Financial Services only and does not receive any commission or other payment for the introduction. Your Retailer will receive commission for introducing customers to BMW Financial Services. The introduction does not amount to independent financial advice.