BMW Financial Services offers competitive interest rates and flexible contract terms from 24 to 84 months with a wide range of down payment options. Depending on what works best for your budget, you can choose weekly, bi-weekly or monthly payment options.

We also offer two balloon financing options, BMW Select and BMW OwnersChoice — both provide all the benefits and security of ownership with low monthly payments. Learn more about our balloon financing options.

We offer a variety of retail financing terms. Your BMW Center can help you find the financing product that best meets your needs.

If you are interested in paying off your BMW Financial Services retail contract at any time, or want to purchase your BMW at the conclusion of your lease, please visit "Payoff Information" through My BMW Account, or via the My BMW App. You'll find all the documents you need to print, complete, and include with certified funds to complete the payoff process.

(Please Note: This payoff is intended for you, and will not be honored if sent in by a third-party dealership.)

Get all the benefits and security of ownership with low monthly payments. BMW Financial Services offers two balloon financing options – BMW Select and BMW Owner's Choice – to get you behind the wheel. For more information, and to learn which option is right for you, contact your local BMW Center.

Subject to credit approval if applicable, and other requirements. State laws may vary. The final scheduled payment due under a BMW Select or BMW Owner's Choice balloon financing retail installment contract is a balloon payment and will be substantially larger than each of the other prior scheduled payments. BMW Select and BMW Owner's Choice balloon financing is a retail installment sales contract with a balloon payment. BMW Select balloon financing is not available in IL, NC, ND, NH, NV, PA, TX and WV. BMW Owner's Choice balloon financing is available to Illinois, Texas, and Georgia residents only. Financing provided to well-qualified customers financing their purchase of BMW vehicles from participating BMW Centers with assignment to BMW Financial Services NA, LLC or BMW Bank of North America. Final balloon payment amount depends on creditworthiness, contract terms, and estimated future market value of the financed vehicle at the end of the contract term. Changes may have been made to the financing program since the development of this website. Programs may change without notice. Please see your BMW Center for details.

While you can finance your BMW with a traditional car loan, financing with BMW Financial Services offers certain advantages. In addition to our competitive rates and flexible options, you can take advantage of our special financing options happening now. We also offer a full suite of protection products, including BMW Lease-End Protection, and extended coverage plans built specifically for your BMW. And later down the road, we make trade-ins easy if you decide it's time to upgrade.

BMW Financial Services offers competitive interest rates and flexible contract terms from 24 to 84 months with a wide range of down payment options.

We also offer two balloon financing options, BMW Select and BMW OwnersChoice — both provide all the benefits and security of ownership with low monthly payments. Learn more about our balloon financing options.

We always look for ways to help you get behind the wheel of a BMW. When you apply for financing, you'll submit a credit application to ensure you meet current qualifications. If you have questions about your eligibility or how the financing approval process works, contact your local BMW Center.

Yes, in certain cases you can finance a BMW without putting money down. Most drivers prefer to make a down payment, however, because it reduces monthly payments.

BMW Financial Services offers financing on BMW Certified vehicles and pre-owned vehicles. To qualify, the BMW must be a 2016 model year or newer.

We strive to provide a fast response to all financing applications. Typically, you can expect a result within 12-24 hours.

Like other financial intuitions, BMW Financial Services requires proof of income on all financing applications.