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BMW Select is a retail installment contract with a final balloon payment. This product allows a customer to have lower monthly payments than with traditional retail installment financing, but still have the security of vehicle ownership. You make lower monthly payments during your selected term and then reach a decision point:
BMW Select is a good alternative to leasing if you prefer the benefits of vehicle ownership and a lower monthly payment. Not available in all states; see your BMW Center for details.
The following financial products are available through BMW Financial Services. Click on the links to the left for more details on each product:
The trade-in value for a vehicle is based on prices currently being paid by dealers for vehicles that match its age, mileage, and condition. What can lower its value?
In general, a trade-in value allows a dealer to earn a reasonable profit on the resale after covering expenses for repair, advertising, and sales commissions. The trade-in value also reflects the variability of used car prices and the dealer's risk of selling at a loss.
An Owners’ Choice contract is a retail installment financing option that includes a final balloon payment. Available only in select states, Owners’ Choice offers lower monthly payments (similar in amount to a lease payment), and a balloon payment that may be satisfied by returning the vehicle. Owners’ Choice may be a good alternative if you reside in a state where leasing is less advantageous due to federal, state, or local tax laws.
When the final payment (the balloon) is due on an Owners’ Choice contract, you have the following options:
You may complete your vehicle purchase by making the final balloon payment.
You may be able to refinance the final balloon payment, subject to certain conditions.
You may be able to sell your BMW back to us at a pre-determined price that is less than the final balloon payment amount, and have the pre-determined price (adjusted, as applicable, for condition) applied towards the final balloon payment amount. If you chose this option, you will owe the difference between the predetermined price of the BMW and the balloon payment amount, and you will no longer own the vehicle. (You may also be able to refinance the difference between the predetermined price of the BMW and the balloon payment amount, subject to certain conditions.)
Traditional Financing is a retail installment contract that allows you to buy a BMW and pay monthly. Monthly payments include interest at the rate agreed upon by you and your BMW Center. You may not be required to have a down payment (based on credit). Just as in buying a vehicle with cash, your name goes on the title. When the financing is paid in full, we release our security interest in the vehicle.
Please note that the annual percentage rate you enter is your estimate, and may not reflect rates available to you from BMW Financial Services. Please discuss available rates based on your credit, area of the country, and other factors with your BMW Center.
Estimated payments exclude applicable taxes, title, registration, license, and documentary fees, and will vary depending upon the final price and terms agreed upon between you and your BMW Center.
The payments calculated above are based on rates, terms, or other variables (such as credit rating) that you have selected, on the price for the vehicle you have selected, and on current programs available through BMW Financial Services. All figures presented are estimates only. Actual selling price may vary. These estimates are not advertisements or solicitations for specific price or credit terms. This is not an offer of direct financing or of any particular lease or purchase transaction. Please see your BMW Center for details.
If your estimate is based on a vehicle chosen through the BMW Financial Services Payment Estimator this MSRP is a base price with no options added.
If your estimate is based on a vehicle configured in the 'Build Your Own' section of BMWUSA.com, the MSRP will reflect the options you selected. The amount financed includes any BMW center installed accessories. Accessories are not added to the estimated residual value of the vehicle at the end of a Lease, Owner's Choice or BMW Select financing arrangement.
Monthly payments and other requirements may vary based upon model, state, creditworthiness and other factors. Contact your BMW Center to determine your actual monthly payment.
Annual percentage rates for traditional financing are rates that you input and may not be available from BMW Financial Services. Annual percentage rates for BMW Select or Owner’s Choice are based on an average credit rating assessment. BMW Select financing option requires customers to repay a single balloon payment at the end of the contract term that is substantially larger than each of the other prior scheduled monthly payments. Actual rates and credit terms may vary based upon model, state selected and creditworthiness. Not all customers will qualify for the lowest rates.
For purposes of estimating your monthly payment, the vehicle price, less any down payment or trade was used as the net capital cost of the vehicle. A security deposit may be required on lease transactions and an extra charge may be imposed at the end of the lease term. Not all terms and leasing options are available in all areas. Lease rates are based on the creditworthiness of the customer. Not all customers will qualify for the lowest rates.