BMW i FINANCING

FINANCING PRODUCTS


BMW Financial Services gives you flexible financing products to make your dream of electric driving easy to achieve today, while also fitting your needs for tomorrow. We offer options for customized financing, low competitive rates, no down payment (subject to credit approval), and extended terms. A potential benefit of purchasing your BMW i vehicle is the possibility of realizing a Federal EV Income Tax Credit of up to $7,500.1 BMW Financial Services also lets you finance the purchase and installation fees for your BMW i Wallbox home charging station. BMW Financial Services offers the flexibility of three forms of financing to suit your particular needs:

  • OwnersChoice.2

  • OwnersChoice with Flex.3

  • Traditional Financing Products.

  • OwnersChoice and OwnersChoice with Flex combine low monthly payments — like a lease — with a balloon payment at the end of the contract. Traditional Financing Products offer you a choice of flexible terms, attractive rates, and customized financing to fit your personal needs. With the benefit of ownership, you can pay off your balance in full without financial penalties or extend the term at any time.4

    OwnersChoice with Flex can lower your monthly payments even further than OwnersChoice. Here's how it works: the final balloon payment owed at the end of your contract term may be increased by up to $7,500.4 The amount of the balloon payment increase is referred to as the Flex Amount. This increased final balloon payment obligation reduces the amount of your regular monthly payments.

    When your OwnersChoice or OwnersChoice with Flex contract term is over, you may have
    four choices:


  • Make the balloon payment and keep possession of your BMW i vehicle.

  • Refinance the balloon payment (if eligible) through BMW Financial Services.5

  • Sell your BMW i vehicle back to BMW Financial Services for the pre-determined resale price and pay any remaining contract balance.6,7

  • Make the balloon payment and use your BMW i vehicle in trade or as a down payment on your next BMW or BMW i vehicle.


  • To compare BMW i financing options click here.

    To learn more about BMW i click here.

    1 Buyers of a BMW i3 or BMW i8 may qualify for a Federal EV income tax credit of up to $7,500 and $3,793 respectively for the tax year in which the vehicle was purchased and put into service. Eligibility for the federal income tax credit depends on the vehicle buyer's individual tax situation and IRS requirements.
    2 Where available. Subject to state restrictions and other conditions, including credit approval. OwnersChoice is available in all states except NC, NH, NV, PA and PR.
    3 Where available. Subject to state restrictions and to other conditions, including credit approval. OwnersChoice with Flex is available in all states except IL, NC, NH, NV, PA and PR.
    4 The limit of the Flex Amount is $7,500 for BMW i3 vehicles, and $3,793 for BMW i8 vehicles. Subject to credit approval and other conditions.
    5 Refinancing through BMW Financial Services is subject to credit approval and other conditions. Except for Puerto Rico.
    6 An OwnersChoice or OwnersChoice with Flex customer may be eligible to sell the financed vehicle back to BMW Financial Services at the end of the contract term for a pre-determined resale price, and have that resale price credited against the final balloon payment due. If you sell your BMW i vehicle back to us at the end of your contract term, the difference between the pre-determined resale price for your BMW i and the final balloon payment amount due may include (i) the Flex Amount, (ii) a $350 disposition fee, and (iii) any applicable excess wear anduse and excess mileage charges. Any difference between the resale price and the final balloon payment due must be paid in full at contract maturity.
    7 Subject to credit approval and other conditions, you may be eligible to refinance the Flex Amount through BMW Financial Services if you sell your BMW i vehicle back to us at the end of your contract term.