Financial Services Overview

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ALL IN.
SIMPLY SMART.

BMW Financial Services is here to get you in your next BMW—and onto your next adventure.

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PROTECTION FOR THE ROAD AHEAD

Explore BMW Ultimate Protection Plans.

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THE MY BMW APP

Manage your Financial Services account on the move.

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LEASE YOUR
DREAM BMW

PERSONALIZE A LEASE AROUND YOUR DRIVING NEEDS

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A NEW THRILL AWAITS

See how a 39-month lease can get you into a new BMW with a low monthly payment. Certain models excluded.

Lease offers

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Seamless financing.
Exceptional benefits.

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Exclusive offers.

Q: How do I contact BMW Financial Services?

By Phone Your Financial Services account information is accessible 24/7 at 1 (800) 578-5000 . For international calls, dial 1 (614) 718-6350 . For inquiries regarding Financial products and services for new vehicles or Certified Pre-Owned vehicles: For vehicle questions: 1 (800) 831-1117 BMW Credit Card: Have questions about your statement or payments? Need to report a lost or stolen card? The 24/7 U.S.-based Cardmember Service can help you. Call toll-free at 1 (866) 845-3079 (we accept relay calls). For international, call collect 1 (701) 461-2543. Online Secure Message Center (SMS) To send us a message regarding your financial services account or vehicle, please visit the Message Center . View your account online via My Account: Log in to MyBMW Or via the My BMW App: Download the My BMW App on the App Store Get it on Google Play. By Mail Please send payments to: BMW Financial Services P.O. BOX 78103 Phoenix, AZ 85062-8103 Please include your 10-digit BMW Financial Services Account #. Please send written correspondence to: BMW Financial Services ATTN: Customer Correspondence P.O. BOX 3608 Dublin, OH 43016-0306

With options as open as the road, BMW Financial Services offers an unparalleled experience—including exceptional special offers.

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Enhanced maintenance.

With BMW Financial Services, protection plans are designed for you to keep you driving, worry-free.

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Exceptional support.

Whether you lease or finance, experience customer service from the people who know BMW best.

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Financial solutions.

Loyalty rewards: Exclusive discounts for returning customers.
Convenience: Easy financing, both online and with your dealer.
Tailored offers: Customized financing and leasing offers with flexible payment options.

Lease vs. finance.

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Why lease?

Because you want the flexibility of low monthly payments and a lower overall financial commitment.

LEASE YOUR BMW IF YOU:

Plan to drive this BMW for 3 years or less.
Will drive less than 10,000 miles / year.
Only want to customize with removable accessories.
Are comfortable with lease-end inspections.

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Apply now

A young family works with a BMW dealer to finalize a finance purchase

Why finance?

Because you want the security of full ownership and to enjoy your BMW without any restrictions.

FINANCE YOUR BMW IF YOU:

Plan to drive this BMW for more than 3 years.
Will drive more than 10,000 miles / year.
Plan to install custom accessories.
Are comfortable with a 4-year manufacturer warranty.

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Apply now

Explore the exceptional BMW lease and finance offers happening now.

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Payment estimator

Protection & insurance.

BMW Ultimate Protection

From comprehensive Protection Products to extended service coverage, we can help ensure your BMW is covered for miles to come. We provide the following Protection Products:

Vehicle Service Contracts (VSC) including coverages for high-mileage, all-electric, and Certified vehicles
Lease End Protection and GAP
Tire & Wheel, Key, Dent, Windshield and All Surface Interior and Exterior protection

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Programs & incentives.

Everyone deserves their own BMW experience. We have the options to help get your started on yours.

BMW college graduate program.

Recent graduates can celebrate with special savings on a new or Certified Pre-Owned BMW.

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BMW military program.

Active-duty personnel, retirees, veterans, and military family members can enjoy exclusive savings for their service and sacrifice.

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BMW accessibility program.

Make your BMW more accessible than ever with rebates on adaptive equipment.

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BMW international executive program.

If you’re working in the U.S., you might qualify for this exclusive program.

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Financial services tools.

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Explore payment estimates.

Estimate monthly payments and compare costs of leasing and financing with the BMW Payment Estimator.

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Secure your financing now.

Get on the road faster by applying for financing today.

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Available special offers.

Take advantage of current special offers across models.

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Find your local dealer.

Explore inventory at your local BMW Center and check the availability of new and Certified Pre-Owned BMWs near you.

Manage account.

Take charge of your account below, or download the convenient My BMW App.

My BMW login

Download the My BMW App

Make a payment

Manage account

View statements

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BMW CARDS

PUT HIGH PERFORMANCE IN YOUR WALLET

Fast rewards and powerful perks – find the BMW Card that's right for you.

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Account login

FREQUENTLY ASKED QUESTIONS

General BMW Financial Services Information

How do I contact BMW Financial Services?

By Phone

Your Financial Services account information is accessible 24/7 at 1 (800) 578-5000. For international calls, dial 1 (614) 718-6350.

For inquiries regarding Financial products and services for new vehicles or Certified Pre-Owned vehicles:

For vehicle questions: 1 (800) 831-1117

BMW Credit Card:

Have questions about your statement or payments? Need to report a lost or stolen card? The 24/7 U.S.-based Cardmember Service can help you.

Call toll-free at 1 (866) 845-3079 (we accept relay calls). For international, call collect 1 (701) 461-2543.

Online

Secure Message Center (SMS)

To send us a message regarding your financial services account or vehicle, please visit the Message Center.

View your account online via My Account: Log in to MyBMW

Or via the My BMW App:

Download the My BMW App on the App Store

Get it on Google Play.

By Mail

Please send payments to:

BMW Financial Services

P.O. BOX 78103

Phoenix, AZ 85062-8103

Please include your 10-digit BMW Financial Services Account #.

Please send written correspondence to:

BMW Financial Services

ATTN: Customer Correspondence

P.O. BOX 3608

Dublin, OH 43016-0306

How does BMW Financial Services work?

BMW Financial Services exists to help get you into the Ultimate Driving Machine^® of your dreams with clear pricing, tailored lease and finance options, and personal service. You'll be guided to the right products and services by the people who know BMW best – and get access to exclusive benefits, offers, and events that take your BMW experience even further.

Who backs BMW Financial Services?

BMW Financial Services is a subsidiary of BMW of North America, LLC (“BMW NA”).

Is it difficult to get approved for a BMW Financial Services offer?

All offers are subject to credit approval. Your BMW Center can assist with your application and available financing options.

What is the current BMW interest rate?

Interest rates change often. For details on current interest rates, or to find out which financing option best fits your budget, contact your local BMW Center.

Account Information

How do I check my BMW Financial Services balance?

Balance and account information are available online 24/7. To check your balances, manage your account, and more simply sign in to your My BMW account.

Or via the My BMW App:

Download the My BMW App on the App Store

Get it on Google Play

Will BMW Financial Services defer payments?

Yes, in certain cases. BMW Financial Services offers eligible customers with the option to postpone one or more monthly payments. To find out if you are eligible for a deferment, please contact BMW Financial Services at 1 (800)578-5000 to discuss your options.

Can I trade in my vehicle?

Yes, all BMW Centers accept trade-ins. You can apply your trade-in credit towards your down payment to reduce the amount you need to finance on your new vehicle. You may also be eligible for certain tax advantages, such as a reduced state tax, if you opt to trade in your vehicle.

Can you pay BMW Financial Services with a credit card?

While debit cards are acceptable, we cannot accept credit cards for regular monthly payments. To set up one time payments, recurring (EasyPay) payments, or to enroll in Paperless Statements, sign in to My BMW account or use the My BMW App.

Should I pay off my car or buy out my lease?

There are as many different financial paths available as there are BMW drivers. A representative at your local BMW Center can help you determine the best option tailored to your needs.

To access your Amortization Details, payoff information, and other important documents, simply sign in to My Account, or use the My BMW App on your mobile device.

When will I receive my monthly Account Statements?

Approximately 14 days before your due date. If you would like to see your Account Statement sooner, visit My BMW. With paperless statements, you will receive an email alerting you to view your statements online.

How are my payments applied?

Payments are first credited to unpaid finance charges, then to the outstanding principal balance, then to any outstanding fees. Your Account Statement will break down how your payments have been allocated, or visit My BMW at to view your amortization schedule.

Can I make a payment with my debit or credit card?

You can make a payment with your debit card, but we do not accept credit cards for regular monthly payments.

Is there a grace period for late charges?

Your State regulates the grace period (the amount of time from your due date to when your account will be assessed a late charge). Please refer to the Account Summary section of your Account Statement to determine if you are eligible for a grace period.

What happens when I make payments greater than my regular scheduled monthly payment?

If you pay more than the total amount due, this amount will be applied to the principal balance. This may reduce the interest you pay over the life of your account and may reduce your final payment or shorten the term of your financing agreement.

How are payment credits applied?

Payment credits will be applied on your scheduled due date and will be reflected on your Account Statement. Please see your Account Statement for details.

When is my account reported to the credit reporting agencies?

Federal law requires us to advise you that we may report information about your account to credit bureaus. Late payments (more than 29 days past due), missed payments, or other defaults on your account may be reflected on your credit report. As required by law, you are hereby notified that a negative credit report reflecting on your credit records may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation.

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GET IN TOUCH

Choose the option that's best for you.

PHONE

Customer Service

(800) 578-5000

Vehicle Inquires

(800) 831-1117

Log in at myaccount.bmwfs.com to send through the Secure Message Center.

MAIL

BMW Financial Services

P.O. Box 3608
Dublin, OH 43016

PRIVACY: Please click here for the BMW Financial Services Privacy Statement (including state specific privacy statements and contact methods).

39-month lease offers

39-month lease offers available through July 1, 2024 on the following models: MY24 330i/xi, MY24 530i/xi, MY24 540xi, MY24 X3 xDrive30i, MY24 X5 xDrive40i and MY25 X5 xDrive40i/sDrive40i. Available from participating BMW Centers through BMW Financial Services NA, LLC to customers who meet BMW Financial Services’ credit and loyalty requirements. Offer not valid in Puerto Rico. Visit your authorized BMW Center for details.

X1

X2

X3

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X6

X7

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8

Z4

M Models

iX

i4

i5

i7

XM

X1

X2

X3

X4

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X7

X4 M

X5 M

X6 M

iX

XM

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M3

M5

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i4

i5

i7

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M2

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Z4

M4

M8

M5 Touring

iX

i4

i5

i7

550e xDrive

X5 xDrive50e

750e xDrive

M5

M5 Touring

XM

M2

M3

M4

M4

M5

M5 Touring

M8

M8

X4 M

X5 M

X6 M

XM

M235 xDrive

M240i

M340i

Seamless financing.
Exceptional benefits.