BMW Personal Car Loan.
Ideal for those planning to use their BMW for personal use. A BMW Personal Car Loan provides certainty with a fixed interest rate so you’ll know exactly how much your regular instalments will be.
With no account keeping fees, you can choose to add a deposit or make a lump sum payment at the end of your contract (balloon payment). This can reduce the cost of your regular instalments and once you complete your contract, you’ll own your BMW.
As with all of our products, you can choose to add BMW Full Circle which guarantees the future value of your BMW. It also means you’ll have flexibility at the end of your agreement, you can choose to trade-in, keep or return your BMW, the choice is yours.
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.
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.
Steps for applying online
- Find your dream vehicle.
- Start your finance application online, answering a few questions about yourself, your finances, and your employment history.
- Select the finance option that’s right for you, including your contract term and deposit amount.
- Upload a copy of your required loan documents.
- Submit your application.
When applying online, make sure you have a copy of your recent payslips and ID documents handy.
If you need help with your online application, you can easily access Live Chat during business hours, or contact your local BMW Dealership. Once your application is submitted, we’ll verify your details and get back to you within 1 business day.
Please note, if wanting to apply for business finance, you will need to contact Castle Hill BMW directly.
FAQs.
Browse BMW Finance frequently asked questions.
Disclaimer:
Finance provided by BMW Australia Finance Limited (ABN 78 007 101 715, Australian Credit Licence 392387). Lending criteria, fees, charges and conditions apply.
[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. To be eligible, vehicles must be built within 18 months. Odometer cannot exceed 10,000km at contract commencement. Lending criteria, fees, charges and conditions apply.
[2] Novated leasing finance is provided by BMW Australia Finance Ltd (ACN 007 101 715). Salary packaging and novated leasing administration services are provided by Smartsalary Pty Ltd (ACN 24 096 796 100) and Autopia Management Pty Ltd (ACN 111 369 049), which are Smart™ companies.
[3] Consult your accountant or tax advisor on tax implications.
[4] The BMW One app is compatible with Android OS 13.3 and above, and iOS 10.0 or later. Apple, and the Apple logo are trademarks of Apple Inc., registered in the U.S and other countries. App Store is a service mark of Apple Inc. Google and the Google Logo are registered trademarks of Google Inc. © 2012 Google Inc.
