BMW Finance. How you benefit.
Your own BMW.
Enjoy predictable costs and reap the long-term benefits of owning your vehicle.
Unlimited mileage.
For short trips and long journeys. Drive unlimited miles with BMW Finance.
Stay flexible.
At the end of your contract, the choice is yours: keep your BMW, sell it, or trade it in for a new adventure.
Your one-stop shop.
Experience ease and convenience, giving you more time for what truly matters.
Simply Smart.
With extras and services. We take care of far more than just your leasing and finance offer.
Step by step to your new BMW.
We guide you through every step, answering all your questions. Choose your preferred financing option and services for your model. Start your journey with confidence.
1. Which BMW would you like?
Find the perfect BMW model for your lifestyle.
2. Financing offers.
BMW Basic, Balloon or Select Finance. We provide the perfect finance plan for every need.
3. Insurance and services.
Tailor your contract to your unique needs. Select from practical packages, outstanding services, and comprehensive insurance solutions.
4. Order your BMW.
You're almost there. Your BMW is ordered, along with your selected services and financing.
5. Your BMW awaits.
Pick it up from your dealer or the BMW Welt in Munich. Embark on your first drive in your new BMW.
Which financing option suits you best?
Individual monthly instalments, adaptable terms, or greater financial flexibility with the final instalment? We keep things simple. Choose finance options that suits your life.
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BMW Select Finance |
BMW Select Edge |
Installment Sale With Balloon |
BMW Installment Sale |
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Deposit (optional) + monthly payment + optional Guaranteed Future Value. |
Deposit (Purchase Price – Guaranteed Future Value) + nominal monthly payments. |
Deposit (optional) + monthly payment + final payment. |
Deposit (optional) + monthly payment. |
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Drive the latest BMW more often. |
Service the interest only. |
Refinancing options. |
Full ownership after contract ends. |
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Agreed Mileage limit. |
Lower monthly payments. |
Unlimited mileage. |
Unlimited mileage. |
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Option of ownership or usage. |
Drive the latest BMW more often. |
Full ownership at the end of the contract (if balloon settled). |
Full ownership at the end of contract. |
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No customer balloon value risk due to Guaranteed Future Value. |
Agreed Mileage limit. |
Customer balloon value risk. |
No residual/balloon value risk. |
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Drive the car for a shorter period. |
Option of ownership or usage. |
Drive the car for a longer period. |
Drive the car for a longer period. |
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End-of-term options: Purchase a new BMW or keep/return your BMW. |
End-of-term options: Purchase a new BMW or keep/return your BMW. |
End-of-term options: Keep your BMW (pay lump sum or Refinance it) or trade-in your BMW. |
End-of-term options: Keep your BMW or trade-in your BMW. |
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Installment Sale.
Experience simplicity and ease. With BMW Basic finance, you pay monthly instalments. Drive as far as you want. Your BMW belongs to you from the start.
Installment Sale with Balloon.
Enjoy full ownership with low monthly instalments. Customise your down payment and balloon payment to fit your budget. Reduce your monthly expenses or refinance the remaining amount. The choice is yours.
BMW Select Finance.
Is your term ending? Decide your next step. Keep your BMW and pay the final installment, refinance it, or return your BMW. With Select finance, all options are open to you.
BMW Select Edge.
With BMW Select Edge, you can enjoy the benefit of servicing only the interest for the duration of your contract while you retain the flexibility to decide where to next at the end of your term: keep your BMW, return it or switch to a new model..
BMW Charter: Fixed-Term Rental.
With no deposit, no depreciation and a fixed monthly rental payment, Charter: Fixed-Term Rental is the ultimate way to experience the Sheer Driving Pleasure of a new BMW without the uncertainty that comes with ownership. When your agreement ends, return your BMW to your preferred BMW Retailer.
BMW Ijirah: Shariah complaint Lease.
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, Ijarah is the perfect choice for those who value freedom, flexibility, and transparency in their financial journey—all while adhering to their faith.
Insurance.
BMW Financial Services not only gives you help in acquiring the vehicle of your dreams, we also offer insurance cover to make sure you have the optimum protection in the event that an unfortunate and unforseen event occurs. Comprehensive Insurance, Top Up, Care and Cosmetic, Tyre Insurance and Extended Warranty - versatile BMW insurance provide you with the appropriate financial protection.
Find the right offer in a matter of minutes.
Latest offers.
BMW vehicles available now.
Configure your BMW.
Discover used vehicles.
Exclusive finance options.
New
X1 18i
Delivery 1-2 weeks
Leasing example: term 48 months, mileage pa 10,000 km, special leasing payment €10,000[1] Leasing example: term 48 months, mileage pa 10,000 km, special leasing payment €10,000[1] Leasing example: term 48 months, mileage pa 10,000 km, special leasing payment €10,000
With 10% cash deposit
Monthly rate
R11 499/ month
Total cost
This amount is inclusive of all instalments, interest and fees and excludes residual/GFV
R639 877
Offer valid until 30 June 2025
X1 sDrive18i SAV¹: Energy consumption, combined WLTP in kWh/100 km: 7.1 - 6.4; Electric range, WLTP in km: 160 - 144
¹ Range depends on various factors, in particular: individual driving style, route characteristics, outside temperature, heating/air conditioning, pre-conditioning.
New
X3 xDrive 20d
Delivery 1-2 weeks
Leasing example: term 48 months, mileage pa 10,000 km, special leasing payment €10,000[1] Leasing example: term 48 months, mileage pa 10,000 km, special leasing payment €10,000[1] Leasing example: term 48 months, mileage pa 10,000 km, special leasing payment €10,000
With 10% cash deposit
Monthly rate
R16 599/ Month
Total Cost
This amount is inclusive of all instalments, interest and fees and excludes residual/GFV
R920 533
Offer valid until 30 June 2025
This amount is inclusive of all instalments, interest and fees and excludes residual/GFV
Get the support you need.
Have questions about finance, planning your next service, or finding your nearest dealer? We offer clear support exactly when and where you need it.
Your local contact.
Quickly and easily find a BMW dealer near you. Get in touch without any obligation. Receive answers to all your questions about your BMW in person.
BMW Customer Centre.
Have questions or need more details about finance offers, smart packages, or insurance solutions? Reach out to our BMW Customer Support today.
BMW MyAccount.
Manage your finance or leasing contracts, view your payments and download documents on the BMW Customer Portal. Stay informed and in command of everything around Financial Services with BMW.
FAQs.
More from BMW.
BMW Leasing.
Flexible terms and attractive rates. Perfect for those who love upgrading to the latest models. Discover the benefits of BMW Leasing.
Back to the overview.
Would you like to find out about more offers from BMW Financial Services? Return to the overview here.
BMW Insurance.
Optimum insurance protection for sheer driving pleasure. Enjoy peace of mind with the comprehensive insurance solutions from BMW Financial Services.
BMW Service.
Discover the offers that perfectly match your needs. Whether it's long-term preventative maintenance, servicing, or accident and roadside assistance, we've got you covered.
Original BMW Accessories.
Discover tailor-made accessories and seasonal equipment that elevate your BMW experience. Explore our range of products designed to enhance your driving pleasure. Dive into the world of BMW Accessories.
Energy consumption and CO2 emissions.
BMW i4 M50¹: Energy consumption, combined WLTP in kWh/100 km: 21.9–17.6; Electric range, WLTP in km: 416–520
¹ Range depends on various factors, in particular: individual driving style, route characteristics, outside temperature, heating/air conditioning, pre-conditioning.
Official data for fuel consumption, CO2 emissions, power consumption and electric range was determined in accordance with the prescribed measuring procedure and corresponds to European Regulation (EC) 715/2007 in the applicable version. For ranges, data determined as per WLTP takes into account any optional equipment (available on the German market in this case). For vehicles that have been newly type approved since 1 January 2021, only the official data according to WLTP exists. In addition, NEDC values are deleted from the certificates of conformity as of 1 January 2023 by EC regulation 2022/195. For more information about NEDC and WLTP measuring procedures visit www.bmw.com/wltp