With BMW Finance, you have the opportunity to access more competitive interest rates if you make a bigger deposit, helping you save as you enjoy your new Ultimate Driving Machine.
Until 31 March 2026, receive a 4.99% p.a. comparison rate, on a maximum amount financed, on 36 to 48 month loan agreements with a Guaranteed Future Value handback option.
This means that to be eligible for the rate offer, there is a maximum amount we will finance for each model series as outlined below and you’ll need to make a deposit of at least 30% to 32% for the balance of the vehicle drive away price (which will vary depending on vehicle selected).
EXCLUSIVE FINANCE RATE OFFERS FROM BMW FINANCE.
The BMW X3 20 xDrive with BMW Finance
Comparison Rate: 4.99% p.a.
Maximum Finance amount : $70,000
Deposit Required : At least 30% of the vehicle drive away price
Finance set up fees: $0
Find your next BMW X3 20 xDrive: BMW X3 Stock Locator
Model eligibility: New and demonstrator BMW X3 20 xDrive models
The BMW X3 30e xDrive with BMW Finance
Comparison Rate: 4.99% p.a.
Maximum Finance amount : $80,000
Deposit Required : At least 30% of the vehicle drive away price
Finance set up fees: $0
Find your next BMW X3 30e xDrive: BMW X3 Stock Locator
Model eligibility: New and demonstrator BMW X3 30e xDrive models
The BMW X5 with BMW Finance
Comparison Rate: 4.99% p.a.
Maximum Finance amount : $102,700
Deposit Required : At least 30% of the vehicle drive away price
Finance set up fees: $0
Find your next BMW X5: BMW X5 Stock Locator
Model eligibility: New and demonstrator BMW X5 xDrive30d M Sport models only
The BMW X7 with BMW Finance
Comparison Rate: 4.99% p.a.
Maximum Finance amount : $130,800
Deposit Required : At least 30% of the vehicle drive away price
Finance set up fees: $0
Find your next BMW X7: BMW X7 Stock Locator
Model eligibility: New and demonstrator BMW X7 xDrive40d and X7 xDrive40i models only
Offer valid across the range on select new and demonstrator BMW X3 20, X3 30e, X5 30d M Sport, X7 40d and X7 40i models with finance applications submitted and approved with vehicles ordered and delivered between 01.01.2026 and 31.03.2026.
Terms and Conditions
BMW Finance, Australian Credit Licence 392387. Fees, charges, conditions and eligibility criteria apply. BMW Finance reserves the right to change or withdraw the offer at any time. Lease arrangements are not eligible for the offer. Participating authorised BMW dealerships only. Cannot be combined with other offers.
Comparison Rate Warning. Comparison rate based on a 5 year secured loan of $30,000. WARNING: This comparison rate is true only for the example given & may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Government Charges apply.
BMW Full Circle in the case of a loan, consists of 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, provided the vehicle is undamaged except for fair wear and tear as approved by us 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.