The benefits of BMW Financial Services.
Your one-stop shop.
Effortless and practical, giving you more time to focus on what truly matters.
Truly Caring.
We provide extras and services that go beyond your leasing and finance offer. Enjoy the convenience and assurance of comprehensive care.
Simply smart.
Tailor your finance and insurance to meet your individual needs.
Highly flexible.
Choose the finance or lease product that works for you and tailor the options as needed – we follow your lead.
BMW Full Circle.
Guarantee the future value of your BMW for added peace of mind.
Within reach. Your new BMW.
Your new BMW is closer than ever. Choose the ideal finance options and packages for your dream car. We'll guide you through each step to achieve your goal.
1. Select your BMW.
Sports Sedan, Touring, SUV or Gran Coupé? Discover the perfect BMW tailored to you.
2. Leasing or finance?
BMW Financial Services offers leasing and finance options tailored to your needs. Choose the plan that suits you best and enjoy the benefits of no account keeping fees, flexible terms and personalised service.
3. BMW Full Circle.
Adding BMW Full Circle to your finance agreement means you can lock in a guaranteed future value for your vehicle, giving you peace of mind and flexible options at the end of your loan.
4. Order your BMW.
You’re nearly there. You’ve ordered your BMW, along with all the services and finance you require.
5. Pick up your BMW.
The final step is the most exciting. Pick up your BMW from your dealer.
BMW Personal Car Loan.
We offer finance for those who want to take personal ownership of their vehicle upfront. With the option to tailor your contract term, deposit, trade in or balloon payment, we can provide a finance solution to meet a range of personal needs.
BMW Chattel Mortgage.
Using your BMW predominantly for business purposes? Choose to own your car and enjoy the flexibility of tailoring your loan options to suit your business needs with the added benefit of possible tax deductions[2].
BMW Novated Lease Powered by Smart™
Enjoy the total package with fully maintained novated lease and bundle all vehicle running costs such as leasing, insurance, servicing and fuel[3].
Providing potential tax benefits[2], payments out of your pre and post-tax salary, as well as access to the BMW range and the peace of mind of BMW Full Circle, a BMW Novated Lease powered by Smart™ is a lease package that has it all.
BMW Prestige Lease.
Experience your BMW without the commitment of ownership. With no account keeping fees, along with possible tax deductions[2], a BMW Prestige Lease could be the right more for your business.
BMW Full Circle.
Experience your BMW on your terms, with the freedom of choice and flexibility – plus the peace of mind that comes with securing the future value of your BMW, guaranteed by us.
BMW Premier Motor Insurance.
BMW Premier Motor Insurance[4] will help you ensure you BMW is repaired to a high standard after an insured event.
Repairs covered by BMW Premier Motor Insurance policies are carried out by BMW training technicians with the latest BMW equipment, using genuine BMW parts[5].
How to apply for BMW Finance.
You can apply for BMW Finance by visiting your local dealership, or easily apply online with the five simple steps below.
Steps for applying online
1. Find your dream vehicle.
2. Start your finance application online. This involves answering questions about yourself, your finances and your employment history.
3. Select the finance option that’s right for you, including your contract term and deposit amount.
4. Upload a copy of your required loan documents.
5. Submit your application.
When applying online, make sure you have a copy of your recent payslips and ID documents handy.
If you need help with your online application, you can easily access Live Chat during business hours, or contact your local BMW Dealership. Once your application is submitted, we’ll verify your details and get back to you within 1 business day.
Please note, if wanting to apply for business finance, you will need to contact your preferred BMW Dealership directly.
Discover the perfect offer in just a few minutes.
Latest offers.
Estimate my repayments.
BMW vehicles available now.
Discover used cars.
Get the support you need.
Have questions about finance products, planning your next service, or returning your vehicle? We offer clear, timely assistance tailored to your needs.
BMW One app.
Manage your finance or lease agreements effortlessly with the BMW One app. View payments, download documents and stay informed about your finances.
Get in touch.
Do you have any questions or need more information on finance products, offers or insurance solutions? Get in touch with our BMW Customer Support.
Provide your feedback.
Whether it’s something we’ve done well or something we can improve on, receiving your feedback is important to us.
Financial Hardship & Natural Disasters.
We understand life can sometimes result in the unexpected, such as illness, change in income or even a natural disaster like a flood or bushfire. These events can result in financial difficulty which is why our dedicated Hardship Assistance Team is available to support getting your finance agreement back on track.
Contact our team to find out how we can help.
FAQs.
More about our financial offers and services.
BMW Insurance.
BMW Service.
Original BMW Accessories.
Disclaimer:
Finance provided by BMW Australia Finance Limited (ABN 78 007 101 715, Australian Credit Licence 392387). Lending criteria, fees, charges and conditions apply.
[1] BMW Full Circle provided by BMW Australia Finance Limited (ABN 78 007 101 715, Australian Credit Licence 392387) consists of:
a) in the case of a loan, an option to deliver the vehicle to us instead of paying the Guaranteed Future Value final balloon lump-sum repayment amount (GFV) at the end of the contract term; or
b) in the case of a lease, an option to return the vehicle to us and not pay the GFV amount at the end of the lease term,
provided the vehicle is undamaged except for fair wear and tear as determined by our approved dealer and provided that the contracted kilometre allowance has not been exceeded. The GFV is not a representation of the anticipated market value of the vehicle at the end of the contract term. To be eligible, vehicles must be built within 18 months. Odometer cannot exceed 10,000km at contract commencement. Lending criteria, fees, charges and conditions apply.
[2] Consult your accountant or tax advisor on tax implications.
[3] Novated leasing finance is provided by BMW Australia Finance Ltd (ACN 007 101 715). Salary packaging and novated leasing administration services are provided by Smartsalary Pty Ltd (ACN 24 096 796 100) and Autopia Management Pty Ltd (ACN 111 369 049), which are Smart™ companies.
[4] The insurer of this BMW Premier Motor Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708. 10 Carrington Street Sydney NSW 2000. In arranging this insurance BMW Australia Finance Limited ABN 78 007 101 715 and the authorised dealers act on behalf of Allianz and not as your agent. Neither BMW Australia Finance nor any of its related companies have any liability in respect of this policy.
[5] If we accept a claim but are unable to fix a damaged part, where available in Australia at time of repair, we will use a new genuine manufacturer part. If new, genuine is not available, we will use genuine reconditioned or recycled manufacturer parts or Australian Design Rules certified new, recycled or reconditioned parts.
We do not provide advice on this insurance based on any consideration of your objectives, financial situation or needs. Cover subject to policy terms, conditions, limits and exclusions. Please consider the Product Disclosure Statement (PDS). The Target Market Determination is available by calling us. If you purchase this insurance, we receive a commission from Allianz. For further information or assistance please contact 1300 808 030.
[6] The BMW One app is compatible with Android OS 13.3 and above, and iOS 10.0 or later. Apple, and the Apple logo are trademarks of Apple Inc., registered in the U.S and other countries. App Store is a service mark of Apple Inc. Google and the Google Logo are registered trademarks of Google Inc. © 2012 Google Inc.