Lease or Finance
Choosing a Path to Your BMW
The Flexibility of Leasing
Love driving the latest BMW? Leasing is an option that gives you the freedom to switch vehicles more often.
Benefits of Leasing
- New vehicle every few years
- Lower monthly payments
- Fewer long-term considerations
The Security of Financing
Ready to own your BMW outright? Financing lets you enjoy your vehicle without restrictions.
Benefits of Financing
- Vehicle ownership
- Personalize vehicle with customized options
- No mileage restrictions or penalties
A Lease That's Right For You
With BMW Financial Services, you can personalize a lease around your driving needs – choosing term lengths, mileage needs, and more with low monthly payments.
Pre-Pay Lease Program.
If you prefer to pay the entire lease up front, this program offers discounted payments and flexibility. When the lease ends, your liquidity gives you the option to purchase your BMW.
Keep Payments Low with Multiple Security Deposits.
You can opt to put down up to seven security deposits on a new lease or transfer balance from an existing lease at lease end to keep your payments low.
Mileage Adjustment Program (MAP).
With the Mileage Adjustment Program (MAP), you can purchase additional miles at a discounted rate, right up until the day before you turn in your vehicle.
Credit Lock.
Take advantage of attractive rates and offers happening now by locking in a rate for an extended period, so you never miss out on a great deal.
Lease Extensions Made Easy.
Not ready to part ways with your BMW? You may have options to extend your lease. Visit your MY BMW account to see how to hold onto your BMW longer.
Guidance for Vehicle Return.
Nearing completion of your lease? If you decide to return your vehicle, BMW Financial Services has the information to help guide you.
Financing Programs for Your BMW
BMW Financial Services offers flexible options with customizable terms and no mileage restrictions. Plus, when it's time to upgrade you can leverage your trade-in value.
Lock in Rate**
BMW Credit Lock lets you lock in a rate for an extended period, so you never miss out on a great deal.
Waived Disposition Fee
Finance your next BMW through BMW Financial Services and we'll waive your disposition fee at the end of your term.
Select Balloon Financing *
This option offers all the perks of ownership with lower monthly payments compared to traditional financing.
At the end of your contract when your balloon balance is due you can choose to pay balance in full, apply to refinance balance, or use the trade in value of your BMW (if you have equity) to help cover your balance.
Savings Programs For Unique Drivers
BMW College Graduate
Recent graduates can celebrate with special savings on a new or Certified Pre-Owned BMW.
BMW Military Program
Active-duty personnel, retirees, veterans, and military family members can enjoy exclusive savings for their service and sacrifice.
BMW Accessibility Program
Make your BMW more accessible than ever with rebates on adaptive equipment.
BMW International Executive
If you’re working in the U.S., you might qualify for this exclusive program.
Care That Goes The Extra Mile
From comprehensive protection plans to extended service coverage, we can help ensure your BMW is safeguarded from the unexpected for miles to come.
Put High Performance In Your Wallet
Fast rewards and powerful perks – find the BMW Card that's right for you.
Frequently Asked Questions
How do BMW Financial Services Work?
BMW Financial Services exists to help get you into the Ultimate Driving Machine® of your dreams with clear pricing, tailored lease and finance options, and personal service. You'll be guided to the right products and services by the people who know BMW best – and get access to exclusive benefits, offers, and events that take your BMW experience even further.
How do BMW Financial Services Leasing Work?
With BMW Financial Services, you can personalize a lease around your driving needs –choosing term lengths, mileage needs, and more with low monthly payments. Your interest rate and the residual value of your vehicle will be built into your contract to ensure total visibility into your lease terms.
Can I Lease a Used BMW?
In most cases BMW Certified vehicles qualify for leasing. The BMW Certified Program is an extensive certification program for pre-owned BMWs. To earn the distinction of being certified, vehicles must have more than 300 miles but less than 60,000 miles on the odometer. We review each vehicle's CARFAX™ or AutoCheck® report, and ensure that it has genuine BMW parts, plus an up-to-date maintenance history. Next, 360° vehicle inspections, reconditioning, and approvals are completed by trained technicians who know BMW best. A comprehensive road test by BMW experts is the next step in the process, using all-BMW diagnostic equipment.
How Can I Purchase More Miles?
With the Mileage Adjustment Program (MAP), you can purchase additional miles at a discounted rate, right up until the day before you turn in your vehicle. Purchase additional lease miles by calling (800)-959-4269 or sign into your My BMW account.
How Do BMW Financial Services Financing Work?
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.
How Do I Contact BMW Financial Services?
By Phone
24/7 Account Information: 1 (800) 578-5000. Internal calls dial 1 (614) 718-6350
Financial Products and Services (for new or Certified Pre-Owned vehicles): 1 (800) 831-1117
BMW Credit Card Questions: 24/7 U.S. based Cardmember Services is available toll-free at 1 (866) 845-3079. For International, call collect 1 (701) 461-2543
Online
Secure Message Center (SMS): to send us a message regarding your financial services account or vehicle, click here for the Message Center.
My Account: to view your account online log in to MyBMW.
My BMW App: download the My BMW App via the App Store or get it on Google Play.