BMW Financial Services.

The joy of driving your next BMW might be closer than you think.

Enhance your BMW experience with more flexibility and options to suit your lifestyle. Every BMW Dealership offers the convenience of arranging your finance, insurance and accessories in the one place with the added benefit of guidance from BMW product experts. It’s convenient service that only BMW can provide.

  • No account-keeping fees
  • Guaranteed Future Value with BMW Full Circle[1]
  • Fixed interest rates
  • Flexible terms up to 60 months
  • Streamlined application and fast approvals
  • Flexible options available at the end of your contract

Our Products.

No one knows your drive like we do. Our finance options are especially designed for your BMW. We provide solutions for both personal and business finance that include flexible options to suit your needs.

Personal Car Finance

Personal Car Finance

Ideal if you’re planning to use your BMW for personal use only and want to own it at the end of your contract.

Guaranteed Future Value

Adding BMW Full Circle1 to your personal finance means you can lock in a guaranteed future value for your vehicle, giving you peace of mind and flexible options at the end of your loan.

Click here to view the BMW Financial Services Target Market Determination

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Business Car Finance

Business Car Finance

A Chattel Mortgage or Prestige Lease is perfect for when you use your BMW predominantly for business and want to claim possible tax deductions in relation to your vehicle use2.

We recommend you consult your accountant or financial advisor to understand the financial benefits of a Chattel Mortgage or Prestige Lease.

Guaranteed Future Value

Adding BMW Full Circle1 to your business finance means you can lock in a guaranteed future value for your vehicle, giving you peace of mind and flexible options at the end of your loan.

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Novated Lease

Novated Lease

A BMW Novated Lease provides potential tax savings[2] and includes a number of exclusive BMW benefits.

Learn more about the benefits of a lease for your next Ultimate Driving Machine.

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Insurance

Insurance

BMW Premier Motor Insurance[4] will help ensure your BMW is repaired to a high standard after an insured event.

Repairs covered by BMW Premier Motor Insurance policies are carried out by BMW trained technicians with the latest BMW equipment, using genuine BMW parts[5].

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Apply for BMW Finance

Apply for BMW Finance.

You can apply for BMW Finance by visiting your local dealership, or easily apply online with the five simple steps below.

Steps for applying online

  1. Find your dream vehicle.
  2. Start your finance application online, answering a few questions about­ yourself, your finances, and your employment history.
  3. Select the finance option that’s right for you, including your contract term and deposit amount.
  4. Upload a copy of your required loan documents.
  5. Submit your application.

When applying online, make sure you have a copy of your recent payslips and ID documents handy.

If you need help with your online application, you can easily access Live Chat during business hours, or contact your local BMW Dealership. Once your application is submitted, we’ll verify your details and get back to you within 1 business day.

Please note, if wanting to apply for business finance, you will need to contact Dealer Name directly.

Find out the repayments for your next BMW

Find out the repayments for your next BMW.

With BMW Finance, we offer a fixed interest rate and no account-keeping fees. This makes it simple to budget for the long-term, knowing exactly what you’ll need to repay at every point in your contract.

We also make it easy to manage your repayments from the start by providing you with a choice of a deposit, or a lump-sum payment at the end of your contract. This makes your regular payments more manageable. To see the difference each of these options can make, try our repayment calculator to get an estimate of what your regular payment instalments would be.

Estimate my repayments

We’re here to help.

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Financial Hardship & Natural Disasters

Contact us

Contact us

For general finance enquiries, please submit your enquiry using the form below.

Alternatively, call us on 00 0000 0000. Visit our contact page for business hours.

Submit your enquiry
Financial Hardship & Natural Disasters

Financial Hardship & Natural Disasters

We understand life can sometimes result in the unexpected, such as illness, change in income, or even a natural disaster like a flood or bushfire. These events can result in financial difficulty which is why our dedicated Hardship Assistance Team is available to support getting your finance contract back on track.

Contact our team to find out how we can help.

Find out more

Make an Enquiry


Disclaimer

Finance provided by BMW Australia Finance Limited (ABN 78 007 101 715, Australian Credit Licence 392387). Lending criteria, fee s, charges and conditions apply.

[1] BMW Full Circle provided by BMW Australia Finance Limited (ABN 78 007 101 715, Australian Credit Licence 392387) consists of:
a) in the case of a loan, an option to deliver the vehicle to us instead of paying the Guaranteed Future Value final balloon lump-sum repayment amount (GFV) at the end of the contract term; or
b) in the case of a lease, an option to return the vehicle to us and not pay the GFV amount at the end of the lease term,
provided the vehicle is undamaged except for fair wear and tear as determined by our approved dealer and provided that the contracted kilometre allowance has not been exceeded. The GFV is not a representation of the anticipated market value of the vehicle at the end of the contract term. To be eligible, vehicles must be built within 18 months. Odometer cannot exceed 10,000km at contract commencement. Lending criteria, fees, charges and conditions apply.

[2] Consult your accountant or tax advisor on tax implications.

[3] The BMW One app is compatible with Android OS 13.3 and above, and iOS 10.0 or later. Apple, and the Apple logo are trademarks of Apple Inc., registered in the U.S and other countries. App Store is a service mark of Apple Inc. Google and the Google Logo are registered trademarks of Google Inc. © 2012 Google Inc.

[4] The insurer of this BMW Premier Motor Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708. 10 Carrington Street Sydney NSW 2000. In arranging this insurance BMW Australia Finance Limited ABN 78 007 101 715 and the authorised dealers act on behalf of Allianz and not as your agent. Neither BMW Australia Finance nor any of its related companies have any liability in respect of this policy.

[5] If we accept a claim but are unable to fix a damaged part, where available in Australia at time of repair, we will use a new genuine manufacturer part. If new, genuine is not available, we will use genuine reconditioned or recycled manufacturer parts or Australian Design Rules certified new, recycled or reconditioned parts.

We do not provide advice on this insurance based on any consideration of your objectives, financial situation or needs. Cover subject to policy terms, conditions, limits and exclusions. Please consider the Product Disclosure Statement (PDS). The Target Market Determination is available by calling us. If you purchase this insurance, we receive a commission from Allianz. For further information or assistance please contact 1300 808 030.