How you benefit.
Your own BMW.
Enjoy predictable costs and reap the long-term benefits of owning your vehicle.
Unlimited Kilometres.
For short trips and long journeys. Drive unlimited kilometres with BMW Finance.
BMW Full Circle.
Choose to add BMW Full Circle[1] to your agreement guarantee the future value of your BMW for added peace of mind.
Simply Smart.
Experience ease and convenience, giving you more time for what truly matters.
No account keeping fees.
Saving you money for the important things.
BMW Personal Car Loan.
Ideal for those planning to use their BMW for personal use. A BMW Personal Car Loan provides certainty with a fixed interest rate so you’ll know exactly how much your regular instalments will be.
With no account keeping fees, you can choose to add a deposit or make a lump sum payment at the end of your contract (balloon payment). This can reduce the cost of your regular instalments and once you complete your contract, you’ll own your BMW.
As with all of our products, you can choose to add BMW Full Circle which guarantees the future value of your BMW. It also means you’ll have flexibility at the end of your agreement, you can choose to trade-in, keep or return your BMW, the choice is yours.
Click here to view the BMW Financial Services Target Market Determination.
Step by step to your new BMW.
We guide you through every step, answering all your questions. Choose your preferred financing option and services for your model. Start your journey with confidence.
1. Which BMW would you like?
Find the perfect BMW model for your lifestyle.
2. Choose your finance product.
With BMW Loan, Chattel Mortgage and Lease agreements available, along with current finance offers, explore your options and find the offer that best suits your needs.
3. BMW Full Circle.
Adding BMW Full Circle to your BMW 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 and pick up your BMW.
The final step is the most exciting. Pick up your BMW from your dealer.
5. Manage your agreement.
Visit the BMW Finance Customer Hub for access to all the information and resources you need to manage your agreement.
Which financing option suits you best?
Individual monthly instalments, adaptable terms, or greater financial flexibility with the final instalment? We keep things simple. Choose finance options that suits your life.
|
|
Personal Car Loan |
Chattel Mortgage |
BMW Novated Lease powered by Smart™[2] |
Prestige Lease |
|---|---|---|---|---|
|
Vehicle usage |
Personal |
Business |
Personal |
Business |
|
Vehicle type |
New/Demo/Used |
New/Demo/Used |
New/Demo/Used |
New/Demo/Used |
|
Loan terms available |
24 - 60 months |
24 - 60 months |
24 - 60 months |
24 - 60 months |
|
Option to select payment frequency |
✓ |
✓ |
✓ |
✓ |
|
Payment type accepted |
Direct Debit/BPAY® |
Direct Debit/BPAY® |
Direct Debit/BPAY® |
Direct Debit/BPAY® |
|
Fixed interest rate |
✓ |
✓ |
✓ |
✓ |
|
No BMW Finance account keeping fees* |
✓ |
✓ |
✓ |
✓ |
|
Final lump sum payment (balloon payment) available |
Optional |
Optional |
Optional |
Optional |
|
BMW Full Circle – Guaranteed Future Value |
Optional |
Optional |
Optional |
Optional |
|
Potential tax benefits[3] |
X |
✓ |
✓ |
✓ |
BMW Personal Car Loan.
Experience simplicity and ease. With a BMW Personal Car Loan, you pay monthly instalments. Drive as far as you want and own your BMW at the completion of your agreement.
BMW Chattel Mortgage.
Chattel Mortgages are perfect for those using their BMW predominantly for business purposes and wanting vehicle ownership with the benefit of potentially being able to claim tax deductions.[3]
BMW Novated Lease powered by Smart™.
Enjoy the total package with a fully maintained novated lease and bundle all vehicle running costs, with payments out or your pre and post tax salary, providing potential tax benefits.[3]
BMW Prestige Lease.
Drive your BMW in exchange for regular rental payments over a fixed term, between 24 – 60 months. Ideal for those using their car for business purposes as a BMW Prestige Lease may provide potential tax benefits for business related vehicle expenses.[3]
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.
Find the right offer in a matter of minutes.
Latest offers.
Estimate my repayments.
BMW vehicles available now.
Discover Used Cars.
Get the support you need.
Have questions about finance, planning your next service, or finding your nearest dealer? We offer clear support exactly when and where you need it.
Your local point of contact.
Quickly and easily find a BMW dealer near you. Get in touch without any obligation. Receive answers to all your questions about your BMW in person.
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.
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[4].
FAQs.
Browse BMW Finance frequently asked questions.
More about our finance 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] 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.
[3] Consult your accountant or tax advisor on tax implications.
[4] 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.