How you benefit.
Guaranteed Future Value.
Enjoy the option to return your vehicle to us at the end of your loan, knowing how much we’ll value it for upfront.
Options.
At the end of your agreement, you have a range of options and you choose what’s next.
Flexibility.
Tailor your loan to suit your needs.
BMW Full Circle.
BMW Full Circle[1] puts you in the driver’s seat with flexible finance options for both new and pre-owned vehicles[2]. With a Guaranteed Future Value (GFV), you’ll know, upfront, how much we’ll value your BMW for at the end of your loan agreement. Put simply, the GFV reduces the risk that you’ll be out of pocket at the end of your agreement if the value of your BMW is less than the GFV amount.
BMW Full Circle can be applied to the entire range of BMW lease and loan products.
At the end of your agreement, you choose what comes next.
- KEEP YOUR BMW by paying or refinancing the Guaranteed Future Value[3]
- RETURN YOUR BMW, subject to meeting the BMW Full Circle agreement obligations including fair wear and tear and kilometre allowance requirements.
- TRADE IN YOUR BMW for your next Ultimate Driving Machine. If the trade in value is higher than your Guaranteed Future Value, you can keep the additional balance for yourself or use it as equity towards a new BMW.
How it works.
Start your loan on your terms.
1. Which BMW would you like?
Find the BMW model tailored to your needs.
2. Choose your term.
Select the length of your loan term, from 24 to 60 months[4].
3. Select your kilometre allowance.
This is the amount of kilometres you think you will travel in your vehicle each year. Keep in mind that the conditions of your pre-owned BMW may impact the term and kilometre allowance options available to you.
4. Pay an optional deposit.
Choose whether you would like to pay a deposit at the start of your loan and what the amount will be.
5. Arrange your optional trade in.
Choose to trade in your previous BMW, if you have one, to reduce the amount of your loan.
Finish your loan on your terms.
Trade in your BMW for a new one.
If the trade in valuation of your vehicle is higher than your Guaranteed Future Value, you can keep the additional balance for yourself, or use it as equity towards a new BMW.
Keep your BMW.
If you’re not ready to say goodbye to your BMW, you can choose to keep it by paying out or refinancing* the Guaranteed Future Value.
Return your BMW.
Simply hand back the keys to your BMW Dealer and provided your vehicle is undamaged (except for fair wear and tear) and the kilometre allowance has been met, your BMW Full Circle experience will be complete.
Key features.
|
|
New & Demonstrator BMW |
Pre-owned BMW |
|---|---|---|
|
Eligible vehicles |
All new and demonstrator BMW models |
All BMW Premium Certified BMW models[5] |
|
Balloon/Final lump sum payment |
Equivalent to Guaranteed Future Value amount |
Equivalent to Guaranteed Future Value amount |
|
Options at the end of the loan term |
Trade in your vehicle Return your vehicle |
Trade in your vehicle Return your vehicle |
|
Terms |
24 to 60 months |
24 to 60 months[4] |
|
Interest rate |
Fixed |
Fixed |
|
Customer type |
Consumer and Business |
Consumer and Business |
|
Payment frequency |
Monthly |
Monthly |
|
Payment method |
Direct debit/BPAY® |
Direct debit/BPAY® |
|
24/7 online access |
BMW One app |
BMW One app |
How to apply for BMW Finance.
You can apply for BMW Finance by visiting your local dealership, or easily apply online with My BMW Finance.
If you need help with your online application, you can easily access Live Chat during business hours, or contact your local BMW Dealership.
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.
Is your contract ending soon? Discover everything you need to know right now.
Get the support you need.
Do you have questions about leasing, scheduling a service or finding a BMW dealer near you? We are here to help you.
Your local point of contact.
Your local BMW dealer is here to assist you with all your Financial Services queries. Reach out today, obligation-free, and discover personalised answers to all your BMW and financing questions 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.
Back to the overview.
BMW Insurance.
BMW Service.
Original BMW Accessories.
Disclaimer:
[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. Lending criteria, fees, charges and conditions apply.
Full Circle option eligibility criteria include:
1. Vehicle age limits:
- Vehicle must be less than 8 years old at the end of the loan term;
- To qualify as a New or Demonstrator vehicle, vehicle must be built within 18 months of loan settlement.
2. Kilometre criteria:
- Odometer cannot exceed 140,000kms at end of loan contract.
- For New and Demonstrator vehicles: Odometer cannot exceed 10,000km at contract commencement. Kilometres already travelled prior to the vehicle being financed are included in the contractual kilometre allowance (e.g. If the kilometres travelled prior to the vehicle being financed are 10,000km, and the total contract kilometre allowance is 40,000km, then the vehicle odometer must not exceed 40,000km at hand back).
- For pre-owned BMW Premium Certified vehicles: Kilometres already travelled prior to the vehicle being financed are excluded from the contractual kilometre allowance (e.g. If the kilometres travelled prior to the vehicle being financed are 28,000km, and the total contract kilometre allowance is 40,000km, then the vehicle odometer must not exceed 68,000km at hand back).
[2] Only select BMW Premium Certified pre-owned vehicles are eligible for BMW Full Circle.
[3] Refinancing subject to approval and eligibility criteria, fees, charges and conditions apply.
[4] The minimum term available for BMW Premium Certified vehicles is 24 months. Finance contract based on monthly payments, but more frequent payments can be accommodated.
[5] Only select BMW Premium Certified pre-owned vehicles are eligible for BMW Full Circle.