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.

You can choose a suitable term between 13 to 72 months on a new BMW.

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.

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.

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).

Yes, they can. The monthly payments can be structured individually by selecting a suitable term, deposit (optional) and linked or fixed interest rate option.

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 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.

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.

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.

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. 

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).

The final payment depends on the balloon percentage chosen at the beginning of your agreement. 

Yes, you can refinance the amount. This is however subject to credit approval.

Yes, they can. The monthly payments can be structured individually by selecting a suitable term, deposit (optional) and linked or fixed interest rate option.

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.