What is BMW Basic Loan?

BMW Basic Loan is a simple finance option with regular fixed monthly payments, and the full amount being paid up at the end of the term.

What interest rate applies to BMW Basic Loan?

The interest rate for BMW Basic Loan is variable and depends on factors such as the amount of down payment made, an agreed final payment at the end of the contract or the term of the contract.

Can the monthly payments with BMW Select be structured individually?

Yes, they can. The monthly payments for BMW Basic Loan can be structured individually, according to the term, down payment and interest rate.

What is BMW Balloon Loan?

BMW Balloon Loan is a form of balloon financing with low monthly payments. When the contract expires, there is either a final payment or refinancing.

How large is the final payment with BMW Balloon Loan?

The final payment for BMW Balloon Loan roughly corresponds to the resale value of the vehicle or less.

Can the monthly payments with BMW Balloon Loan be structured individually?

Yes, they can. The monthly payments for BMW Balloon Loan can be structured individually, according to the term, down payment and interest rate.

BMW INSTALMENT SALE.

The easy way to own a BMW.

BMW INSTALMENT SALE.The easy way to own a BMW.

BMW INSTALMENT SALE.

Owning a BMW has never been easier. BMW Financial Services offers you the right finance option to match your financial needs, whether you prefer lower monthly instalments combined with a balloon payment at the end or fixed instalments to keep your financial planning stable. Choose now between BMW Instalment Sale and BMW Instalment Sale with Balloon.

01 Drive more than 20 000 km per year.
02 Plan to own their BMW for an extended period.
03 Want the option to include a balloon payment.

BMW INSTALMENT SALE AND BMW INSTALMENT SALE WITH BALLOON: YOUR BENEFITS.

BMW INSTALMENT SALE	BMW INSTALMENT SALE WITH BALLOON
Car ownership: (optional) down payment + monthly payments	Car ownership: (optional) down payment + monthly payments + final balloon payment
Unlimited mileage	Unlimited mileage
Full ownership after contract ends	Refinancing options for final balloon
Individual monthly payments only	Individual monthly payments with a final baloon payment

BMW INSTALMENT SALE.

Learn everthing you need to know about BMW Instalment Sale in our tutorial video.

If you are looking for an uncomplicated vehicle financing solution that offers monthly instalments without a large end-of-term payment, BMW Instalment Sale may be the ideal solution for you. You can choose either fixed or flexible instalments without a large final payment.

At the end of your contract you become the proud owner of your vehicle.

What is BMW Instalment Sale?
BMW Instalment Sale is a simple financing solution with monthly instalments tailored to your individual needs.
At the end of your agreement, provided all payments have been received, you become the owner of the vehicle.
What finance term is available for BMW Instalment Sale?
You can choose a suitable term between 13 to 72 months on a new BMW.
What interest rate applies to BMW Instalment Sale?
If you choose BMW Instalment Sale, you can choose either a linked or fixed interest rate. The final rate on the agreement is dependant on your risk profile.
Is BMW Instalment Sale available without a deposit?
Yes, it is. You have the flexibility of choosing a deposit between 0% - 80% of the value of the vehicle . In some cases, a deposit may however be required based on your affordability.
Can I return my vehicle at the end of my BMW Instalment Sale agreement?
No, there is no option to return your vehicle at the end of this finance option. You can however trade in your vehicle at any stage during the finance agreement, but will be liable for any shortfall (if applicable).
Can the monthly payments with BMW Instalment Sale be structured individually?
Yes, they can. The monthly payments can be structured individually by selecting a suitable term, deposit (optional) and linked or fixed interest rate option.
Can adjustments be done to a BMW Instalment Sale Agreement?
Yes, adjustments to the term and / or monthly instalment can be done. Examples of adjustments include cash injections to reduce the monthly instlament or to reduce the term. Some adjustments to the finance agreement may however require upfront approval.

BMW INSTALMENT SALE WITH BALLOON.

Learn everthing you need to know about BMW Instalment Sale with Balloon in our tutorial video.

The BMW Instalment Sale with Balloon option from BMW Financial Services lets you drive the BMW of your dreams whilst allowing some financial flexibility. By keeping a larger portion (balloon payment) of your vehicle purchase price until the end of your agreement, you can enjoy lower monthly instalments.

What is BMW Instalment Sale with Balloon?
BMW Instalment Sale with Balloon allows you lower monthly payments with a large final payment (balloon) at the end of the term.
When your contract comes to an end, you either need to settle the large final payment or you can refinance it, with our help.
What finance term is available for BMW Instalment Sale with Balloon?
You have the option to choose a suitable term between 13 to 72 months on a new BMW. The finance term may however be dependent on the percentage of your chosen balloon amount.
What interest rate applies to BMW Instalment Sale with Balloon?
If you choose BMW Instalment Sale with Balloon, you can choose either a linked or fixed interest rate. The final rate on the agreement is dependant on your risk profile.
Is BMW Instalment Sale with Balloon available without a deposit?
Yes, it is. You have the flexibility of choosing a deposit between 0% - 80% of the value of the vehicle . In some cases, a deposit may however be required based on your affordability.
Can I return my vehicle at the end of my BMW Instalment Sale with Balloon?
No, there is no option to return your vehicle at the end of this finance option. You can however trade in your vehicle at any stage during the finance agreement, but will be liable for any shortfall (if applicable).
How large is the final payment with BMW Instalment Sale with Balloon?
The final payment depends on the balloon percentage chosen at the beginning of your agreement.
Can I refinance the balloon amount at the end of my agreement?
Yes, you can refinance the amount. This is however subject to credit approval.
Can the monthly payments with BMW Instalment Sale with Balloon be structured individually?
Yes, they can. The monthly payments can be structured individually by selecting a suitable term, deposit (optional) and linked or fixed interest rate option.
Can adjustments be done to a BMW Instalment Sale Balloon Agreement?
Yes, adjustments to the term, balloon amuont and / or monthly instalment can be done. Examples of adjustments include removing the balloon amount, and cash injections to reduce either the monthly instlament, reduce the balloon amount, or to reduce the term. Some adjustments to the finance agreement may however require upfront approval.

FINANCE CALCULATOR.

Use our finance calculator to estimate the monthly payments on the BMW you want to drive.

Go to Finance Calculator

CURRENT BMW FINANCIAL SERVICES OFFERS.

Your dream BMW is just a click away: Discover the latest BMW Financial Services offers.

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THE END OF YOUR INSTALMENT SALE CONTRACT: ALL YOU NEED TO KNOW.

Learn more about your BMW instalment sale end-of-term options in our tutorial video.

With BMW Instalment Sale, you have the following options available to you: you can either trade in your BMW for a newer model or take ownership by paying the final payment, or you can refinance the balloon (if applicable).

Once you have paid your agreement in full, you become the proud owner of your BMW.

If you decide to keep your BMW and your Instalment Sale includes a balloon, you can refinance the outstanding amount with our help or settle the lump sum and take ownership.
If your Instalment Sale agreement has no balloon, you become the owner of your BMW once your final payment has been made.

TRADE-IN YOUR BMW.

If you no longer want to keep your BMW, you can trade it.

If you would like to trade in your BMW for a newer one, you can obtain the outstanding settlement figure for your finance agreement via our MyAccount portal. To obtain an indicative trade-in price for your BMW, click here.