BMW Financial Services

Lease or Finance Choosing a Path to Your BMW

The Flexibility of Leasing

Love driving the latest BMW? Leasing is an option that gives you the freedom to switch vehicles more often.

Benefits of Leasing

- New vehicle every few years
- Lower monthly payments
- Fewer long-term considerations

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The Security of Financing

Ready to own your BMW outright? Financing lets you enjoy your vehicle without restrictions.

Benefits of Financing

- Vehicle ownership
- Personalize vehicle with customized options
- No mileage restrictions or penalties

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A Lease That's Right For You

With BMW Financial Services, you can personalize a lease around your driving needs – choosing term lengths, mileage needs, and more with low monthly payments.

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Pre-Pay Lease Program.

If you prefer to pay the entire lease up front, this program offers discounted payments and flexibility. When the lease ends, your liquidity gives you the option to purchase your BMW.

Keep Payments Low with Multiple Security Deposits.

You can opt to put down up to seven security deposits on a new lease or transfer balance from an existing lease at lease end to keep your payments low.

Mileage Adjustment Program (MAP).

With the Mileage Adjustment Program (MAP), you can purchase additional miles at a discounted rate, right up until the day before you turn in your vehicle.

Credit Lock.

Take advantage of attractive rates and offers happening now by locking in a rate for an extended period, so you never miss out on a great deal.

Lease Extensions Made Easy.

Not ready to part ways with your BMW? You may have options to extend your lease. Visit your MY BMW account to see how to hold onto your BMW longer.

Guidance for Vehicle Return.

Nearing completion of your lease? If you decide to return your vehicle, BMW Financial Services has the information to help guide you.

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Financing Programs for Your BMW

BMW Financial Services offers flexible options with customizable terms and no mileage restrictions. Plus, when it's time to upgrade you can leverage your trade-in value.

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Lock in Rate**

BMW Credit Lock lets you lock in a rate for an extended period, so you never miss out on a great deal.

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Waived Disposition Fee

Finance your next BMW through BMW Financial Services and we'll waive your disposition fee at the end of your term.

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Select Balloon Financing *

This option offers all the perks of ownership with lower monthly payments compared to traditional financing.

At the end of your contract when your balloon balance is due you can choose to pay balance in full, apply to refinance balance, or use the trade in value of your BMW (if you have equity) to help cover your balance.

Savings Programs For Unique Drivers

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BMW College Graduate

Recent graduates can celebrate with special savings on a new or Certified Pre-Owned BMW.

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BMW Military Program

Active-duty personnel, retirees, veterans, and military family members can enjoy exclusive savings for their service and sacrifice.

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BMW Accessibility Program

Make your BMW more accessible than ever with rebates on adaptive equipment.

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BMW International Executive

If you’re working in the U.S., you might qualify for this exclusive program.

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Protection Products Care That Goes The Extra Mile

From comprehensive protection plans to extended service coverage, we can help ensure your BMW is safeguarded from the unexpected for miles to come.

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BMW Cards Put High Performance In Your Wallet

Fast rewards and powerful perks ­­– find the BMW Card that's right for you.

Frequently Asked Questions

BMW Financial Services exists to help get you into the Ultimate Driving Machine® of your dreams with clear pricing, tailored lease and finance options, and personal service. You'll be guided to the right products and services by the people who know BMW best – and get access to exclusive benefits, offers, and events that take your BMW experience even further.
With BMW Financial Services, you can personalize a lease around your driving needs –choosing term lengths, mileage needs, and more with low monthly payments. Your interest rate and the residual value of your vehicle will be built into your contract to ensure total visibility into your lease terms.
In most cases BMW Certified vehicles qualify for leasing. The BMW Certified Program is an extensive certification program for pre-owned BMWs. To earn the distinction of being certified, vehicles must have more than 300 miles but less than 60,000 miles on the odometer. We review each vehicle's CARFAX™ or AutoCheck® report, and ensure that it has genuine BMW parts, plus an up-to-date maintenance history. Next, 360° vehicle inspections, reconditioning, and approvals are completed by trained technicians who know BMW best. A comprehensive road test by BMW experts is the next step in the process, using all-BMW diagnostic equipment.
With the Mileage Adjustment Program (MAP), you can purchase additional miles at a discounted rate, right up until the day before you turn in your vehicle. Purchase additional lease miles by calling (800)-959-4269 or sign into your My BMW account.
BMW Financial Services offers competitive interest rates and flexible contract terms from 24 to 84 months with a wide range of down payment options. Depending on what works best for your budget, you can choose weekly, bi-weekly, or monthly payment options.
By Phone

24/7 Account Information: 1 (800) 578-5000. Internal calls dial 1 (614) 718-6350

Financial Products and Services (for new or Certified Pre-Owned vehicles): 1 (800) 831-1117

BMW Credit Card Questions: 24/7 U.S. based Cardmember Services is available toll-free at 1 (866) 845-3079. For International, call collect 1 (701) 461-2543


Secure Message Center (SMS): to send us a message regarding your financial services account or vehicle, click here for the Message Center.

My Account: to view your account online log in to MyBMW.

My BMW App: download the My BMW App via the App Store or get it on Google Play.

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PRIVACY: Please click here for the BMW Financial Services Privacy Statement (including state specific privacy statements and contact methods). BMW Financial Services NA, LLC, NMLS #2738


* BMW Select balloon financing is a retail installment sales contract with a balloon payment. BMW Select balloon financing is not available in IL, NC, ND, NH, NV, PA, TX and WV. Financing provided to well-qualified customers financing their purchase of BMW vehicles from participating BMW Centers with assignment to BMW Financial Services NA, LLC or BMW Bank of North America. Final balloon payment amount depends on creditworthiness, contract terms, and estimated future market value of the financed vehicle at the end of the BMW Select contract term. Programs may change without notice. Please see your BMW Center for details.

** Eligibility and availability of BMW Credit Lock is subject to credit review and approval by BMW Financial Services NA, LLC. Qualified Credit Lock applicants must take delivery within the credit lock period and requires that the vehicle be leased or financed with BMW Financial Services NA, LLC, through an Authorized BMW Center. Locked credit expires if the vehicle is not delivered within the application credit lock period. All offers are subject to availability from existing dealer inventory. For BMW Credit Lock program details and available models, contact an Authorized BMW Center.

Classic BMW 41.6000356, -81.4400172.