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.

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.

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.

BMW Select Financing is a balloon financing option that lets you enjoy all the benefits of ownership with lower monthly payments. Rather than financing the full vehicle price, you finance a portion of it, with a final 'balloon payment' due at the end of your contract. At the end of your term, you can pay the balloon payment and own the vehicle outright, trade it in, or—if you choose to finance your next BMW through BMW Financial Services—have the balloon payment waived. BMW Select is not available in IL, NC, ND, NH, NV, PA, TX, or WV.

BMW Select can be an excellent option if you want lower monthly payments while retaining full ownership benefits—including no mileage restrictions. It works particularly well if you plan to trade in or upgrade your BMW at the end of the term, as BMW Financial Services will waive the balloon payment when you finance your next BMW through them. If you prefer predictable, fixed payments with no large payment at the end, traditional financing may be a better fit.

BMW Financial Services offers flexible financing terms, typically ranging from 24 to 72 months. Extended terms such as 84-month financing may be available on select vehicles—contact your local BMW Center for current availability. Longer terms result in lower monthly payments but may increase the total interest paid over the life of the loan.

Yes. 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 and 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.)

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 All Surface protection to help keep the interior and exterior of your BMW flawless, and extended coverage plans like VSC, built specifically for your BMW.

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.

BMW Financial Services interest rates change frequently based on market conditions and current promotions. For the most up-to-date rates and available offers, contact your local BMW Center or visit the Special Offers Page on bmwusa.com. Rates are also dependent on your credit profile and the specific vehicle being financed.

BMW Financial Services offer change periodically.  However, BMW Financial Services typically offers competitive rates. Offers vary by model year, trim, and region. Visit bmwusa.com or contact your local BMW Center for current financing offers and eligibility requirements.