BMW Finance Explained




BMW Full Circle offers unprecedented choice and security for our commercial and consumer customers. With attractive repayments under the program, enjoying a unique combination of dynamic performance and luxury is more achievable than you think.

BMW Full Circle is designed so you can enjoy the future with the security of knowing exactly how much your BMW will be worth at contract’s end with a Guaranteed Future Value.*




Simply choose a BMW you like and we’ll arrange a finance plan that suits you, taking into consideration the contract length (typically between 24 and 60 months), an estimation of your annual kilometres and your deposit (optional) contribution. Whether you have a monthly payment or particular deposit in mind, we can tailor a repayment plan to suit your budget and lifestyle.

The importance of the GFV is that it lets you keep your options open at the end of your agreement.
Your decision will be based on the future value of the car. Depending on what the actual market value is when you come to change your car next time, you have the flexibility to select from one of the following options:

  • Pay out the Guaranteed Future Value (final payment) and own your BMW*
  • Refinance the Guaranteed Future Value (final payment)*
  • Trade in and upgrade to a new BMW *
  • Hand the car back and walk away*


*BMW Full Circle provided by BMW Financial Services (Australian Credit Licence 392387) consists of:

a) in the case of a loan, an option to sell the vehicle to us for a Guaranteed Future Value amount (GFV) at the end of the contract term; or

b) in the case of a lease, predetermining the value of the vehicle for the purpose of your end of lease obligations,

provided the vehicle has not exceeded the contracted kilometre allowance and meets fair wear and tear conditions. If instead you wish to retain ownership of your vehicle outright, the GFV will be payable at the end of your contract. Alternatively, you can refinance the GFV or apply the proceeds of trading-in your vehicle towards paying out the contract. 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 and bear a compliance plate dated within 12 months of contract date. Mileage cannot exceed 10,000km. Fees, conditions and approval criteria apply.