BMW OWNER’S CHOICE.

DEPOSIT + MONTHLY PAYMENTS + OPTIONAL FINAL PAYMENT.

Offering the opportunity to choose between three options at the end of your agreement makes this our most flexible finance product for new BMWs.

WHO IS IT FOR?

We understand that when you take out a finance agreement, you may not be sure what you’ll want to do at the end of it. This product is perfect if you are looking to combine flexibility with low monthly payments.

HOW IT WORKS.

Begin by choosing which BMW model is right for you.

Then, decide how much you want to put down as a deposit, how long you want the agreement to last (ask about our term options) and what your average annual mileage is likely to be.

Next – and this is what really sets BMW Owner's Choice apart – we take a portion of the cost of your BMW and freeze it until the end of your finance agreement. This becomes your optional final payment and also reduces your monthly payments.

BMW Owner's Choice offers you a minimum Guaranteed Future Value (GFV) for your new BMW at the end of your contract term. At the end of your contract term if you decide to trade-in your vehicle, your minimum GFV is designed to protect you from any unfavourable fluctuations in the used car market.

PAY LESS THAN YOU THINK.

Deferring part of your BMW’s value until the end of your contract could make your monthly payments significantly smaller, giving you the flexibility to opt for the right model within your budget.

THE CHOICE IS YOURS.

At the end of your contract term, choose between three options:

1. Upgrade your BMW.
Trade-in and upgrade your BMW at an authorised BMW dealership. You have the option to use your GFV* provided you finance** your replacement vehicle with BMW Financial Services. The GFV protects you if the market value for your vehicle is less than the GFV, else the the equity is yours.

2. Refinance your BMW.
Simply refinance** the outstanding amount for a selected term.

3. Keep your BMW.
Pay off the outstanding amount and continue to enjoy your BMW. 

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  • Terms and Conditions

    BMW Owner’s Choice is only available where you finance the purchase of a new BMW with BMW Financial Services. BMW Financial Services lending criteria and terms and conditions apply.