Bmwfinancialservices
Lease or Finance
Choosing a Path to Your BMW
Whether you crave the freedom to upgrade often or the satisfaction of full ownership, BMW Financial Services helps you drive home in the BMW that fits your life.
The Flexibility of Leasing
Love driving the latest BMW? Leasing gives you the freedom to switch into a new model every few years with lower monthly payments.
Benefits of Leasing:
- A new vehicle every few years
- Lower monthly payments
- Fewer long-term considerations
The Security of Financing
Ready to own your BMW outright? Financing lets you enjoy your vehicle without restrictions and build long-term value.
Benefits of Financing:
- Full vehicle ownership
- Personalize with custom options
- No mileage restrictions or penalties
Leasing Programs
A Lease That's Right for You
With BMW Financial Services, you can personalize a lease around your driving needs — choosing term lengths, mileage, and more with low monthly payments.
Pre-Pay Lease Program
Pay your lease in full up front for discounted payments and flexibility. At lease end, your liquidity gives you the option to purchase your BMW.
Multiple Security Deposits
Put down up to seven security deposits — or transfer balance from a prior lease — to keep your monthly payments low.
Mileage Adjustment Program
Need more miles? Purchase additional miles at a discounted rate right up until the day before you turn in your vehicle.
Credit Lock
Lock in attractive rates for an extended period so you never miss out on a great deal when you're ready to drive.
Easy Lease Extensions
Not ready to part ways with your BMW? You may have options to extend your lease — visit your My BMW account to learn more.
Vehicle Return Guidance
Nearing lease end? We'll walk you through your return options step by step so the transition is seamless.
Financing Programs
Financing Programs for Your BMW
BMW Financial Services offers flexible options with customizable terms and no mileage restrictions. When it's time to upgrade, leverage your trade-in value to make the move easier.
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Lock In Your Rate
BMW Credit Lock lets you secure a rate for an extended period — so a great deal stays a great deal.
Waived Disposition Fee
Finance your next BMW through BMW Financial Services and we'll waive your disposition fee at the end of your term.
Select Balloon Financing
Enjoy the perks of ownership with lower monthly payments. At contract end, pay the balloon balance, refinance it, or apply trade-in equity.
Savings Programs
Programs for Unique Drivers
BMW Financial Services offers exclusive savings for those who've earned it. See if you qualify for one of these special programs.
BMW College Graduate
Recent graduates celebrate with special savings on a new or Certified Pre-Owned BMW.
Learn MoreBMW Military Program
Active duty, retirees, veterans, and military family members enjoy exclusive savings for their service.
Learn MoreBMW Accessibility
Make your BMW more accessible than ever with rebates on adaptive equipment.
Contact UsInternational Executive
Working in the U.S.? You might qualify for this exclusive program from BMW.
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Protection Products
Care That Goes the Extra Mile
From comprehensive protection plans to extended service coverage, BMW of Meridian helps ensure your BMW is safeguarded from the unexpected for miles to come.
Contact UsBMW Cards
High Performance in Your Wallet
Fast rewards and powerful perks — find the BMW Card that's right for the way you drive and the way you live.
FAQs
Frequently Asked Questions
How do BMW Financial Services work?
BMW Financial Services helps 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 by the people who know BMW best — and gain access to exclusive benefits, offers, and events.
How does BMW leasing work?
Personalize a lease around your driving needs — choose term lengths, annual mileage, and more with low monthly payments. Your interest rate and the vehicle's residual value are built into your contract so you have total visibility into your terms.
Can I lease a used BMW?
In most cases BMW Certified vehicles qualify for leasing. Certified vehicles must have more than 300 but less than 60,000 miles, a verified CARFAX™ or AutoCheck® report, genuine BMW parts, and an up-to-date maintenance history — all backed by a 360° inspection and road test by BMW-trained technicians.
How can I purchase more miles?
With the Mileage Adjustment Program (MAP), you can purchase additional miles at a discounted rate up until the day before you turn in your vehicle. Call (800) 959-4269 or sign in to your My BMW account to add miles.
How does BMW financing work?
BMW Financial Services offers competitive interest rates and flexible contract terms from 24 to 84 months with a wide range of down payment options. Choose weekly, bi-weekly, or monthly payments — whatever works best for your budget.
How do I contact BMW Financial Services?
24/7 Account Information: 1 (800) 578-5000
Financial Products & Services (new or CPO): 1 (800) 831-1117
BMW Credit Card Questions: 1 (866) 845-3079 (International collect: 1 (701) 461-2543)
Online: Use the Secure Message Center, log in to My BMW, or download the My BMW App on the App Store or Google Play.
Get in Touch
Have Questions? We're Here to Help.
Send us a message and a BMW Financial Services specialist at BMW of Meridian will get back to you shortly.