BMW Financial Services
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.
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.Learn More
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.Apply Now
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
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.Learn More
BMW Military Program
Active-duty personnel, retirees, veterans, and military family members can enjoy exclusive savings for their service and sacrifice.Learn More
BMW Accessibility Program
Make your BMW more accessible than ever with rebates on adaptive equipment.Contact Us
BMW International Executive
If you’re working in the U.S., you might qualify for this exclusive program.Contact Us
Protection Products 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.Contact Us
BMW Cards Put High Performance In Your Wallet
Fast rewards and powerful perks – find the BMW Card that's right for you.
Frequently Asked Questions
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
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.
PRIVACY: Please click here for the BMW Financial Services Privacy Statement (including state specific privacy statements and contact methods). BMW Financial Services NA, LLC, NMLS #2738
* BMW Select balloon financing is a retail installment sales contract with a balloon payment. BMW Select balloon financing is not available in IL, NC, ND, NH, NV, PA, TX and WV. Financing provided to well-qualified customers financing their purchase of BMW vehicles from participating BMW Centers with assignment to BMW Financial Services NA, LLC or BMW Bank of North America. Final balloon payment amount depends on creditworthiness, contract terms, and estimated future market value of the financed vehicle at the end of the BMW Select contract term. Programs may change without notice. Please see your BMW Center for details.
** Eligibility and availability of BMW Credit Lock is subject to credit review and approval by BMW Financial Services NA, LLC. Qualified Credit Lock applicants must take delivery within the credit lock period and requires that the vehicle be leased or financed with BMW Financial Services NA, LLC, through an Authorized BMW Center. Locked credit expires if the vehicle is not delivered within the application credit lock period. All offers are subject to availability from existing dealer inventory. For BMW Credit Lock program details and available models, contact an Authorized BMW Center.