Applying for a car loan shouldn’t be complicated. That’s why you can easily apply online through My BMW Finance with the five simple steps below, or by simply contacting your local BMW Dealership.


Steps for applying Online

1.      Find your dream vehicle and if you want to take it for a spin, book it for a test drive.
2.     Start your finance application online, answering a few 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. Our finance checklist gives a great overview of what you will need for your application to get you into your car sooner.

If you need help with your online application, you can easily access Live Chat during business hours, or save your application and 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.


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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.



Financing your car shouldn’t be complicated, and BMW Finance has a range of options to suit both personal and business needs. You can also find out what the repayments for your next BMW would be with our repayments calculator.

For more information on both personal and business finance, check out our full range of Finance Products.



BMW Full Circle can be added to any of our finance options, giving you flexibility at the end of your contract. It provides you with an agreed guaranteed future value for your BMW, so you’ll know how much your car will be worth to us if you want to trade-in when the time comes.

With BMW Full Circle, you can choose to return your vehicle at the end of your contract and pay nothing further (subject to fair wear and tear and agreed kilometres being met) – or you can pay out your agreed guaranteed future value amount to own your BMW outright.



Available exclusively to BMW Finance customers, the BMW One app is a simple way to manage your contract. Anywhere, anytime.
  • Manage your finance 24/7.
  • Reach out to your BMW Dealership with enquiries or requests.
  • Make additional payments, clear overdue balances, and more.
  • Get access to the latest offers.   


Download the app from the Apple App Store® or the Google Play Store®.


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] 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.

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