ALL IN.
SIMPLY SMART.

BMW FINANCIAL SERVICES.

ALL IN. <br>SIMPLY SMART.BMW FINANCIAL SERVICES.

Enhance your BMW experience with more flexibility and options to suit your lifestyle. Every BMW Dealership offers the convenience of arranging your finance, insurance and accessories in the one place with the added benefit of guidance from BMW product experts. It’s convenient service that only BMW can provide.

No account-keeping fees
Guaranteed Future Value with BMW Full Circle^[1]
Fixed interest rates
Flexible terms up to 60 months
Streamlined application and fast approvals
Flexible options available at the end of your contract

OUR PRODUCTS.

No one knows your drive like we do. Our finance options are especially designed for your BMW. We provide solutions for both personal and business finance that include flexible options to suit your needs.

PERSONAL CAR FINANCE

Ideal if you’re planning to use your BMW for personal use only and want to own it at the end of your contract.

Guaranteed Future Value
Adding BMW Full Circle¹ to your personal finance 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.

Click here to view the BMW Financial Services Target Market Determination

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BUSINESS CAR FINANCE

A Chattel Mortgage or Prestige Lease is perfect for when you use your BMW predominantly for business and want to claim possible tax deductions in relation to your vehicle use².

We recommend you consult your accountant or financial advisor to understand the financial benefits of a Chattel Mortgage or Prestige Lease.

Guaranteed Future Value
Adding BMW Full Circle¹ to your business finance 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.

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BMW NOVATED LEASE POWERED BY SMART^TM LEASING

Enjoy the total package with a fully maintained novated lease and bundle all vehicle running costs, such as leasing, insurance, servicing and fuel.

Providing potential tax benefits, 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.

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INSURANCE

BMW Premier Motor Insurance^[4] will help ensure your BMW is repaired to a high standard after an insured event.

Repairs covered by BMW Premier Motor Insurance policies are carried out by BMW trained technicians with the latest BMW equipment, using genuine BMW parts^[5].

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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

Find your dream vehicle.
Start your finance application online, answering a few questions about yourself, your finances, and your employment history.
Select the finance option that’s right for you, including your contract term and deposit amount.
Upload a copy of your required loan documents.
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 OUT THE REPAYMENTS FOR YOUR NEXT BMW

With BMW Finance, we offer a fixed interest rate and no account-keeping fees. This makes it simple to budget for the long-term, knowing exactly what you’ll need to repay at every point in your contract.

We also make it easy to manage your repayments from the start by providing you with a choice of a deposit, or a lump-sum payment at the end of your contract. This makes your regular payments more manageable. To see the difference each of these options can make, try our repayment calculator to get an estimate of what your regular payment instalments would be.

Estimate my repayments

WE’RE HERE TO HELP.

FEEDBACK

FINANCIAL HARDSHIP & NATURAL DISASTERS

CONTACT US

For general finance enquiries, please submit your enquiry using the form below.

Alternatively, call us on 133 269. We’re available Monday to Friday between 8:30am and 8:30pm (AEST)

FEEDBACK

We’d love to hear your feedback. Whether it’s something we’ve done well or something we can improve on, please let us know.

Get in touch

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 contract back on track.

Contact our team to find out how we can help.

Find out more

Disclaimer

Finance provided by BMW Australia Finance Limited (ABN 78 007 101 715, Australian Credit Licence 392387). Lending criteria, fee s, 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.

Disclaimer reference invalid

PERSONAL FINANCE
BUSINESS FINANCE
INSURANCE

BMW CONSUMER LOAN.

We offer finance for those who want to take personal ownership of their vehicle upfront[¹]. 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.

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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[²].

Find out more

YOUR FINANCE CHECKLIST.

Planning on visiting a dealership? Before you go, take the time to complete Your Finance Checklist. It will help you keep track of everything you need to bring to your appointment and get you driving sooner.

Download Your Finance Checklist

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[¹] with the added benefit of possible tax deductions[³].

Find out more

BMW PRESTIGE LEASE.

Experience your BMW without the commitment of ownership. With no account keeping fees, along with possible tax deductions[³], a BMW Prestige Lease[¹] could be the right move for your business.

Find out more

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[²].

Find out more

YOUR FINANCE CHECKLIST.

Download Your Finance Checklist

BMW PREMIER MOTOR INSURANCE^[4].

BMW Premier Motor Insurance has been developed for BMW owners. Enjoy the flexibility to choose your options, control the level of coverage for your vehicle, and the premium you pay.

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PROTECT YOUR PRE-OWNED BMW LIKE IT’S NEW.

With BMW Premier Motor Insurance^[4].

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ONLINE INSURANCE CLAIMS.

Make a BMW Premier Motor Insurance claim online, with 24/7 access to our Online Claims Portal powered by Allianz.

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WHICH PRODUCT IS BEST FOR YOU?

Use our Find My Finance tool to help select the finance product that might be right for you.

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LET’S TAKE IT ONLINE.

Apply for finance whenever and wherever it suits you with My BMW Finance.

Not ready to apply? Explore your options with our repayments calculator.

Explore My BMW Finance