BMW Financial Services Products.

Personal and Business Finance.

Personal Car Finance

Personal Car Finance

Ideal when buying a BMW for personal use.

With a fixed interest rate and no account-keeping fees you’ll know exactly how much your regular instalments will be.

Personal Car Loans also come with the option to make a lump-sum payment at the end of your contract (balloon payment). This can reduce the cost of your regular instalments, and once you complete your contract, you’ll own your BMW outright.

BMW Full Circle – 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

Business Car Finance

Business Car Finance

Chattel Mortgages are perfect for those using their BMW predominantly for business purposes and wanting vehicle ownership with the benefit of being able to claim potential tax deductions.

Our Chattel Mortgage offers a fixed interest rate and no account-keeping fees.

Advice from your accountant or financial advisor should be sought in relation to any specific tax or financial situation in relation to your personal/business situation[2].

BMW Full Circle – Guaranteed Future Value
BMW Full Circle[1] to your Chattel Mortgage 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.

Business Car Lease

Business Car Lease

Perfect for business, a BMW Prestige Lease offers two things: the joy of driving a BMW without taking on ownership, and easy access to the latest vehicles in the BMW range.

A BMW Prestige Lease has no account-keeping fees and may provide potential tax benefits – remember to discuss those with your tax adviser or accountant[2].

Compare Our Finance Options

Personal Car Loan Chattel Mortgage Prestige Lease
Vehicle Usage Personal Business Business
Vehicle type New/Demo/Used New/Demo/Used New/Demo/Used
Loan terms available 24-60 months 24-60 months 24-60 months
Payment frequency Monthly Monthly Monthly
Payment type accepted Direct Debit/BPAY® Direct Debit/BPAY® Direct Debit/BPAY®
Fixed Interest Rate ✓ ✓ ✓
No Account Keeping Fees ✓ ✓ ✓
Final lump sum payment (balloon payment) available Optional Optional Required
BMW Full Circle – Guaranteed Future Value Optional Optional Optional
Potential Tax Benefits[2] ✖ ✓ ✓
BMW One App 24/7 online access ✓ ✓ ✓
BMW Premier Insurance[4] Optional Optional Optional

BMW FULL CIRCLE – GUARANTEED FUTURE VALUE

BMW Full Circle[1] can be added to any of our finance options giving you flexibility at the end of your contract. It provides you with an agreed Guaranteed Future Value for your BMW, so you’ll know upfront how much your car is worth to us at the end of your finance agreement.

HOW IT WORKS.

At the start of your journey

Step 1 – Choose a finance option that suits your personal or business needs and include BMW Full Circle.
Step 2 – Choose the length of your finance agreement from 12 to 60 months.
Step 3 – Select an agreed kilometre allowance from 10,000km to 40,000km per year.
Step 4 – Select a deposit amount (optional) to reduce your regular repayments.
Step 5 – The Guaranteed Future Value of your BMW (Balloon/Residual Value) reduces your regular instalment amounts.

At the end of your journey

BMW Full Circle provides you with flexibility at the end of your finance agreement to:

  • Return your vehicle and pay nothing further (subject to fair wear and tear and agreed kilometres being met). Find out more about fair wear and tear with our Damage Visualiser.
  • Trade-in your vehicle if its value is higher than your Guaranteed Future Value, and you can use the balance towards a deposit for a new BMW or keep it for yourself.
  • Payout out your agreed Guaranteed Future Value amount to own your BMW outright.
    Refinance and enjoy your BMW for longer.

The choice is yours!

Contact Dealer Name to discuss your options at the end of your finance agreement. You can also view our Guide for the Smooth Return of your Vehicle and download our Fair Wear and Tear Guidelines for more information.

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.

Fast Finance Estimate Enquire Now
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
BMW One App

THE BMW ONE APP3.

Available exclusively to BMW Finance customers, the BMW One App3 is a simple way to manage your contract. Anywhere, anytime.

  • Manage your finance 24/7.
  • Reach out to your BMW Dealership with enquiries or requests.
  • Make additional payments, clear overdue balances, and more.
  • Get access to the latest offers.
Download on the Apple App Store® Download on the Google Play Store®

We’re here to help.

Contact Us

Feedback

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, fees, 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.

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.