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    BMW Ijarah Finance

    BMW IJARAH.

    SHARIAH COMPLIANT LEASE.

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    BMW Ijarah lets you experience the thrill of driving a BMW without the commitment of ownership at the end of your term. This Shariah-compliant lease agreement allows you to seamlessly lease your dream BMW for a fixed term and enjoy predictable monthly payments and rewards between you and BMW Financial Services.

     

    Designed to remove the uncertainties of depreciation and resale, BMW Ijarah is the perfect choice for those who value freedom, flexibility, and transparency in their financial journey—all while adhering to their faith.

    HOW IT WORKS.

    How Shariah compliant vehicle finance works

    1. Choose the BMW model that reflects your lifestyle and aspirations.
    2. Tailor your lease agreement term (between 36-56 months)
    3. Lease your BMW with a fixed monthly payment inclusive of BMW Comprehensive Takaful Insurance and VAT.
    4. Return or switch your vehicle at the end of the agreement.

    THE BENEFITS AT A GLANCE.

    Discover the benefits of renting your dream BMW with BMW Ijarah, our Shariah-compliant lease option:

     

    • Shariah compliant: Enjoy leasing that aligns with your values and principles.
    • Flexible Terms: Choose rental terms between 36 to 56 months.
    • Tailored Payments: Monthly payments are determined by your selected BMW model, term, and applicable profit rate.
    • Complete solution: Enjoy the convenience of inclusive Takaful Insurance without the responsibility of ownership. 
    The benefits at a glace

    SHARIAH GOVERNANCE.

    We are dedicated to adhering to Shariah governance practices, including appointing a Shariah Advisor and ensuring independence in pronouncements and audits. To support this commitment, we have engaged the Shariyah Review Bureau (SRB) to guide us in best practices and compliance. SRB will facilitate discussions, product research, and reporting while collaborating with various functions to integrate Shariah principles throughout the organization. Additionally, SRB will ensure the Shariah Advisor's independence and effective decision-making in Shariah assurance practices.

    Download Governance Policy

    BMW Ijarah from BMW Financial Services (South Africa) (Pty) Ltd, an Authorised Financial Services Provider (FSP 4623) and Registered Credit Provider (NCRCP2341).

     

    BMW Financial Services (South Africa) (Pty) Ltd has partnered with Bryte Insurance Company Limited (an authorised financial services provider, FSP no 17703) to provide comprehensive Takaful insurance cover.

     

    All insurance claims will be handled by Ammanah Islamic Financial Solutions (Pty) Ltd (an authorised financial services provider, FSP no 40953) contracted to BMW Finance. Tel: 0861 786 393 (Prompt 3 for claims).