How you benefit.

Full Circle

Guaranteed Future Value.

Enjoy the option to return your vehicle to us at the end of your loan, knowing how much we’ll value it for upfront.

Full Circle

Options.

At the end of your agreement, you have a range of options and you choose what’s next.

Full Circle

Flexibility.

Tailor your loan to suit your needs.

BMW Full Circle.

BMW Full Circle[1] puts you in the driver’s seat with flexible finance options for both new and pre-owned vehicles[2]. With a Guaranteed Future Value (GFV), you’ll know, upfront, how much we’ll value your BMW for at the end of your loan agreement. Put simply, the GFV reduces the risk that you’ll be out of pocket at the end of your agreement if the value of your BMW is less than the GFV amount.

BMW Full Circle can be applied to the entire range of BMW lease and loan products.

At the end of your agreement, you choose what comes next.

  • KEEP YOUR BMW by paying or refinancing the Guaranteed Future Value[3]
  • RETURN YOUR BMW, subject to meeting the BMW Full Circle agreement obligations including fair wear and tear and kilometre allowance requirements.
  • TRADE IN YOUR BMW for your next Ultimate Driving Machine. If the trade in value is higher than your Guaranteed Future Value, you can keep the additional balance for yourself or use it as equity towards a new BMW.

How it works.

Start your loan on your terms.

BMW Full Circle

1. Which BMW would you like?

Find the perfect BMW model for your lifestyle.

BMW Full Circle

2. Choose your finance product.

With BMW Loan, Chattel Mortgage and Lease agreements available, along with current finance offers, explore your options and find the offer that best suits your needs.

BMW Full Circle

3. BMW Full Circle.

Adding BMW Full Circle to your BMW finance agreement means you can lock in a guaranteed future value for your vehicle, giving you peace of mind and flexible options at the end of your loan.

BMW Full Circle

4. Order and pick up your BMW.

The final step is the most exciting. Pick up your BMW from your dealer.

BMW Full Circle

5. Manage your agreement.

Visit the BMW Finance Customer Hub for access to all the information and resources you need to manage your agreement.

Finish your loan on your terms.

BMW Full Circle

1. Which BMW would you like?

Find the BMW model tailored to your needs.

BMW Full Circle

2. Choose your term.

Select the length of your loan term, from 24 to 60 months[4].

BMW Full Circle

3. Select your kilometre allowance.

This is the amount of kilometres you think you will travel in your vehicle each year. Keep in mind that the conditions of your pre-owned BMW may impact the term and kilometre allowance options available to you.

Key features.

  New & Demonstrator BMW Pre-owned BMW
Eligible vehicles All new and demonstrator BMW models  All BMW Premium Certified BMW models[5] 
Balloon/Final lump sum payment  Equivalent to Guaranteed Future Value amount   Equivalent to Guaranteed Future Value amount 
Options at the end of the loan term  Trade in your vehicle
Keep your vehicle by paying out or refinancing* the GFV amount Return your vehicle 		  Trade in your vehicle
Keep your vehicle by paying out or refinancing* the GFV amount Return your vehicle 
Terms  24 to 60 months   24 to 60 months[4] 
Interest rate  Fixed   Fixed 
Customer type  Consumer and Business   Consumer and Business 
Payment frequency  Monthly   Monthly 
Payment method  Direct debit/BPAY®   Direct debit/BPAY® 
24/7 online access  BMW One app   BMW One app 

How to apply for BMW Finance.

You can apply for BMW Finance by visiting our Dealership, or easily apply online with the five simple steps below.

You can apply for BMW Finance by visiting our Dealership, or easily apply online with My BMW Finance.

If you need help with your online application, you can easily access Live Chat during business hours, or contact your local BMW Dealership.

Please note, if wanting to apply for business finance, you will need to contact our Dealership directly.

Fast Finance Estimate Enquire now

Get the support you need.

Have questions about finance products, planning your next service, or returning your vehicle? We offer clear, timely assistance tailored to your needs.

BMW Full Circle

Your local point of contact.

Get in touch without any obligation. Receive answers to all your questions about your BMW in person.

Enquire Now
BMW Full Circle

Get in touch.

Do you have any questions or need more information on finance products, offers or insurance solutions? Get in touch with our BMW Customer Support. 

Call BMW Finance Submit an enquiry
BMW Full Circle

BMW One app.

Manage your finance or lease agreements effortlessly with the BMW One app. View payments, download documents and stay informed about your finances.

Download on the Apple App Store Download on the Google Play Store

FAQs.

Browse BMW Finance frequently asked questions.

View FAQs

More about our financial offers and services.

Make an Enquiry

Disclaimer:

[1] BMW Full Circle provided by BMW Australia Finance Limited (ABN 78 007 101 715, Australian Credit Licence 392387) consists of:

a) in the case of a loan, an option to deliver the vehicle to us instead of paying the Guaranteed Future Value final balloon lump-sum repayment amount (GFV) at the end of the contract term; or
b) in the case of a lease, an option to return the vehicle to us and not pay the GFV amount at the end of the lease term,
provided the vehicle is undamaged except for fair wear and tear as determined by our approved dealer and provided that the contracted kilometre allowance has not been exceeded. The GFV is not a representation of the anticipated market value of the vehicle at the end of the contract term. Lending criteria, fees, charges and conditions apply.

Full Circle option eligibility criteria include:

1. Vehicle age limits:

  • Vehicle must be less than 8 years old at the end of the loan term;
  • To qualify as a New or Demonstrator vehicle, vehicle must be built within 18 months of loan settlement.

2. Kilometre criteria:

  • Odometer cannot exceed 140,000kms at end of loan contract.
  • For New and Demonstrator vehicles: Odometer cannot exceed 10,000km at contract commencement. Kilometres already travelled prior to the vehicle being financed are included in the contractual kilometre allowance (e.g. If the kilometres travelled prior to the vehicle being financed are 10,000km, and the total contract kilometre allowance is 40,000km, then the vehicle odometer must not exceed 40,000km at hand back).
  • For pre-owned BMW Premium Certified vehicles: Kilometres already travelled prior to the vehicle being financed are excluded from the contractual kilometre allowance (e.g. If the kilometres travelled prior to the vehicle being financed are 28,000km, and the total contract kilometre allowance is 40,000km, then the vehicle odometer must not exceed 68,000km at hand back).

[2] Only select BMW Premium Certified pre-owned vehicles are eligible for BMW Full Circle.

[3] Refinancing subject to approval and eligibility criteria, fees, charges and conditions apply.

[4] The minimum term available for BMW Premium Certified vehicles is 24 months. Finance contract based on monthly payments, but more frequent payments can be accommodated.

[5] Only select BMW Premium Certified pre-owned vehicles are eligible for BMW Full Circle.