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BMW Financial Services

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LeasingFinancingProtection PlansManage AccountFAQs

Lease or Finance Choosing a Path to Your BMW

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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.

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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

Online

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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Contact Us

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

Disclaimers

* 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.

Select a series:

Hendrick Vehicle Disclaimer:

$225.00 Documentary Fee included in advertised price. “A DOCUMENTARY FEE IS NOT AN OFFICIAL FEE. A DOCUMENTARY FEE IS NOT REQUIRED BY LAW, BUT MAY BE CHARGED TO BUYERS FOR HANDLING DOCUMENTS RELATING TO THE SALE. A DOCUMENTARY FEE MAY NOT EXCEED A REASONABLE AMOUNT AGREED TO BY THE PARTIES. THIS NOTICE IS REQUIRED BY LAW.”

All prices exclude all taxes, tag, title, registration fees and government fees. Out of state buyers are responsible for all taxes and government fees and title/registration fees in the state where the vehicle will be registered. All prices include all manufacturer to dealer incentives, which the dealer retains unless otherwise specifically provided. Dealer not responsible for errors and omissions; all offers subject to change without notice; please confirm listings with dealer.

All vehicles may not be physically located at this dealership but may be available for delivery through this location. Transportation charges may apply. Please contact the dealership for more specific information. All vehicles are subject to prior sale.

Additional Disclaimers:

The BMW Ultimate Care Oil Services plan includes unlimited oil and oil filter changes for three years for $249.00 plus taxes and disposal fees where applicable. The need for included services are prompted by the vehicle’s Condition Based Service (CBS) system. For non-CBS vehicles, annual low-mileage oil changes are included as outlined in your BMW Maintenance Booklet. Available for all BMW vehicles that have reached 60 months or 60,000 miles but have not yet exceeded 240 months / 20 years and have no current Ultimate Care+ coverage. Plan is also available for purchase for vehicles that have reached at least 54 months and are currently covered by the BMW Ultimate Care Scheduled or BMW Ultimate Care+2 coverage. All work must be performed by an authorized BMW Center. Please see your authorized BMW Center for additional details pertaining to all programs. All work is carried out by BMW Trained Technicians using Original BMW Parts, which come with a two-year unlimited mileage limited warranty. Warranty repairs do not constitute an extension of the original limited warranty period for the vehicle or a part thereof. Each program and its pricing are subject to change.

Available on new, in-stock 2026 7-Series and i7 models. Offers available to qualified customers who lease or finance through BMW Financial Services NA, LLC. Loyalty offer limited to customers who have owned or leased a BMW model in the last 12 months. In order to qualify for a BMW Loyalty Credit, loyal current or former BMW owners or lessees must show proof of ownership or BMW Financial Services NA, LLC account number and qualify for credit approval. Must take delivery by November 30th, 2026. Availability of Loyalty Credits are subject to dealer participation. Visit your authorized BMW Center for important details.

Valid on 2026 BMW i4 eDrive40 models. Through November 30, 2026, 3.99% APR financing for up to 24 monthly payments of $43.42 for every $1,000 financed, and 3.99% APR financing for up to 60 monthly payments of $18.41 for every $1,000 financed is available from participating BMW Centers to well qualified customers who meet BMW Financial Services NA, LLC credit requirements. No down payment required for well qualified customers. Not all customers will qualify for down payment waiver or lowest rate. Other rates and payment terms available. All offers are subject to dealer participation. Offers valid through November 30, 2026. Visit your authorized BMW Center for important details. Available Purchase Credit of $3,750 off MSRP for well qualified buyers.

Valid on 2026 BMW X3 30 xDrive models. Through November 30, 2026, 0.9% APR financing for up to 24 monthly payments of $42.06 for every $1,000 financed, and 0.9% APR financing for up to 60 monthly payments of $17.05 for every $1,000 financed is available from participating BMW Centers to well qualified customers who meet BMW Financial Services NA, LLC credit requirements. No down payment required for well qualified customers. Not all customers will qualify for down payment waiver or lowest rate. Other rates and payment terms available. All offers are subject to dealer participation. Offers valid through November 30, 2026. Visit your authorized BMW Center for important details.

APR: Valid on 2027 BMW X1 xDrive28i models. Through November 30, 2026, 0.9% APR financing for up to 24 monthly payments of $42.06 for every $1,000 financed, and 0.9% APR financing for up to 60 monthly payments of $17.05 for every $1,000 financed is available from participating BMW Centers to well qualified customers who meet BMW Financial Services NA, LLC credit requirements. No down payment required for well qualified customers. Not all customers will qualify for down payment waiver or lowest rate. Other rates and payment terms available. All offers are subject to dealer participation. Offers valid through November 30, 2026. Visit your authorized BMW Center for important details. Lease: Advertised lease offer is a national advertisement intended to be available on new 2027 BMW X1 xDrive28i models from participating BMW Centers through BMW Financial Services NA, LLC, to customers who meet BMW Financial Services' credit requirements. Dealer sets actual sale price and may add additional fees and charges. Advertised lease payment is calculated based on Manufacturer’s Suggested Retail Price for vehicle as shown and does not necessarily represent the dealer’s actual sale price. Offer not valid in Puerto Rico. Advertised monthly lease payments of $479 per month for 39 months is based on an adjusted capitalized cost of $41,695 (MSRP of $47,750, including destination and handling fee of $1,350, less $3,175 capitalized cost reduction, $0 security deposit, suggested dealer contribution of $1,900, and Lease Credit of $1,000). Actual MSRP and dealer contribution may vary and could affect your monthly lease payment. Cash due at signing includes $3,175 capitalized cost reduction, $479 first month's payment, $925 acquisition fee and $0 security deposit. Lessee responsible for insurance during the lease term, excess wear and tear as defined in the lease contract, $0.25/mile over 32,500 miles, plus disposition fee of up to $495 (not to exceed an amount permissible by law) at lease end. Not all customers will qualify for security deposit waiver. Tax, title, license, registration and any dealer fees and charges (if any) are additional amounts that are due at signing. Advertised monthly payment does not include applicable taxes. Purchase option price at lease end is $26,740, plus the purchase option fee disclosed in the lease contract. Additional tax, title, and government fees may also apply. Offer valid through November 30, 2026 and may be combined with other offers unless otherwise stated. Models pictured may be shown with metallic paint and/or additional accessories. Visit your authorized BMW Center for important details.

APR: Valid on 2026 BMW X3 30 xDrive models. Through November 30, 2026, 0.9% APR financing for up to 24 monthly payments of $42.06 for every $1,000 financed, and 0.9% APR financing for up to 60 monthly payments of $17.05 for every $1,000 financed is available from participating BMW Centers to well qualified customers who meet BMW Financial Services NA, LLC credit requirements. No down payment required for well qualified customers. Not all customers will qualify for down payment waiver or lowest rate. Other rates and payment terms available. All offers are subject to dealer participation. Offers valid through November 30, 2026. Visit your authorized BMW Center for important details. Lease: Advertised lease offer is a national advertisement intended to be available on new 2026 BMW X3 30 xDrive models from participating BMW Centers through BMW Financial Services NA, LLC, to customers who meet BMW Financial Services' credit requirements. Dealer sets actual sale price and may add additional fees and charges. Advertised lease payment is calculated based on Manufacturer’s Suggested Retail Price for vehicle as shown and does not necessarily represent the dealer’s actual sale price. Offer not valid in Puerto Rico. Advertised monthly lease payments of $549 per month for 39 months is based on an adjusted capitalized cost of $48,595 (MSRP of $55,650, including destination and handling fee of $1,350, less $3,825 capitalized cost reduction, $0 security deposit, suggested dealer contribution of $2,230, and Lease Credit of $1,000). Actual MSRP and dealer contribution may vary and could affect your monthly lease payment. Cash due at signing includes $3,825 capitalized cost reduction, $549 first month's payment, $925 acquisition fee and $0 security deposit. Lessee responsible for insurance during the lease term, excess wear and tear as defined in the lease contract, $0.25/mile over 32,500 miles, plus disposition fee of up to $495 (not to exceed an amount permissible by law) at lease end. Not all customers will qualify for security deposit waiver. Tax, title, license, registration and any dealer fees and charges (if any) are additional amounts that are due at signing. Advertised monthly payment does not include applicable taxes. Purchase option price at lease end is $31,721, plus the purchase option fee disclosed in the lease contract. Additional tax, title, and government fees may also apply. Offer valid through November 30, 2026 and may be combined with other offers unless otherwise stated. Models pictured may be shown with metallic paint and/or additional accessories. Visit your authorized BMW Center for important details.

Valid on New, in-stock 2026 BMW X5 sDrive40i, xDrive40i, and xDrive50e models. Excludes X5 M and X5 M Competition models. Available Purchase Credit of $1,000 off MSRP for well qualified buyers.Through November 30, 2026, available from participating BMW Centers to well qualified customers who meet BMW Financial Services NA, LLC credit requirements. No down payment required for well qualified customers. Not all customers will qualify. All offers are subject to dealer participation. Offers valid through November 30, 2026. Visit your authorized BMW Center for important details.

APR: Valid on 2026 BMW X5 xDrive40i models. Through November 30, 2026, 0.9% APR financing for up to 24 monthly payments of $42.06 for every $1,000 financed, and 0.9% APR financing for up to 60 monthly payments of $17.05 for every $1,000 financed is available from participating BMW Centers to well qualified customers who meet BMW Financial Services NA, LLC credit requirements. No down payment required for well qualified customers. Not all customers will qualify for down payment waiver or lowest rate. Other rates and payment terms available. All offers are subject to dealer participation. Offers valid through November 30, 2026. Visit your authorized BMW Center for important details. Available Purchase Credit of $1,000 off MSRP for well qualified buyers. Lease: Advertised lease offer is a national advertisement intended to be available on new 2026 BMW X5 xDrive40i models from participating BMW Centers through BMW Financial Services NA, LLC, to customers who meet BMW Financial Services' credit requirements. Dealer sets actual sale price and may add additional fees and charges. Advertised lease payment is calculated based on Manufacturer’s Suggested Retail Price for vehicle as shown and does not necessarily represent the dealer’s actual sale price. Offer not valid in Puerto Rico. Advertised monthly lease payments of $869 per month for 39 months is based on an adjusted capitalized cost of $66,100 (MSRP of $76,250, including destination and handling fee of $1,450, less $5,135 capitalized cost reduction, $0 security deposit, suggested dealer contribution of $3,015, and Lease Credit of $2,000). Actual MSRP and dealer contribution may vary and could affect your monthly lease payment. Cash due at signing includes $5,135 capitalized cost reduction, $869 first month's payment, $925 acquisition fee and $0 security deposit. Lessee responsible for insurance during the lease term, excess wear and tear as defined in the lease contract, $0.25/mile over 32,500 miles, plus disposition fee of up to $495 (not to exceed an amount permissible by law) at lease end. Not all customers will qualify for security deposit waiver. Tax, title, license, registration and any dealer fees and charges (if any) are additional amounts that are due at signing. Advertised monthly payment does not include applicable taxes. Purchase option price at lease end is $39,650, plus the purchase option fee disclosed in the lease contract. Additional tax, title, and government fees may also apply. Offer valid through November 30, 2026 and may be combined with other offers unless otherwise stated. Models pictured may be shown with metallic paint and/or additional accessories. Visit your authorized BMW Center for important details.

APR: Valid on 2026 BMW 330i Sedan models. Through November 30, 2026, 0.9% APR financing for up to 24 monthly payments of $42.06 for every $1,000 financed, and 0.9% APR financing for up to 60 monthly payments of $17.05 for every $1,000 financed is available from participating BMW Centers to well qualified customers who meet BMW Financial Services NA, LLC credit requirements. No down payment required for well qualified customers. Not all customers will qualify for down payment waiver or lowest rate. Other rates and payment terms available. All offers are subject to dealer participation. Offers valid through November 30, 2026. Visit your authorized BMW Center for important details. Lease: Advertised lease offer is a national advertisement intended to be available on new 2026 BMW 330i Sedan models from participating BMW Centers through BMW Financial Services NA, LLC, to customers who meet BMW Financial Services' credit requirements. Dealer sets actual sale price and may add additional fees and charges. Advertised lease payment is calculated based on Manufacturer’s Suggested Retail Price for vehicle as shown and does not necessarily represent the dealer’s actual sale price. Offer not valid in Puerto Rico. Advertised monthly lease payments of $459 per month for 39 months is based on an adjusted capitalized cost of $46,665 (MSRP of $53,900, including destination and handling fee of $1,350, less $3,575 capitalized cost reduction, $0 security deposit, suggested dealer contribution of $2,660, and Lease Credit of $1,000). Actual MSRP and dealer contribution may vary and could affect your monthly lease payment. Cash due at signing includes $3,575 capitalized cost reduction, $459 first month's payment, $925 acquisition fee and $0 security deposit. Lessee responsible for insurance during the lease term, excess wear and tear as defined in the lease contract, $0.25/mile over 32,500 miles, plus disposition fee of up to $495 (not to exceed an amount permissible by law) at lease end. Not all customers will qualify for security deposit waiver. Tax, title, license, registration and any dealer fees and charges (if any) are additional amounts that are due at signing. Advertised monthly payment does not include applicable taxes. Purchase option price at lease end is $30,723, plus the purchase option fee disclosed in the lease contract. Additional tax, title, and government fees may also apply. Offer valid through November 30, 2026 and may be combined with other offers unless otherwise stated. Models pictured may be shown with metallic paint and/or additional accessories. Visit your authorized BMW Center for important details.

APR: Valid on 2027 BMW X7 xDrive40i models. Through November 30, 2026, 0.9% APR financing for up to 24 monthly payments of $42.06 for every $1,000 financed, and 0.9% APR financing for up to 60 monthly payments of $17.05 for every $1,000 financed is available from participating BMW Centers to well qualified customers who meet BMW Financial Services NA, LLC credit requirements. No down payment required for well qualified customers. Not all customers will qualify for down payment waiver or lowest rate. Other rates and payment terms available. All offers are subject to dealer participation. Offers valid through November 30, 2026. Visit your authorized BMW Center for important details. Lease: Advertised lease offer is a national advertisement intended to be available on new 2027 BMW X7 xDrive40i models from participating BMW Centers through BMW Financial Services NA, LLC, to customers who meet BMW Financial Services' credit requirements. Dealer sets actual sale price and may add additional fees and charges. Advertised lease payment is calculated based on Manufacturer’s Suggested Retail Price for vehicle as shown and does not necessarily represent the dealer’s actual sale price. Offer not valid in Puerto Rico. Advertised monthly lease payments of $969 per month for 39 months is based on an adjusted capitalized cost of $82,980 (MSRP of $97,100, including destination and handling fee of $1,550, less $8,235 capitalized cost reduction, $0 security deposit, suggested dealer contribution of $3,885, and Lease Credit of $2,000). Actual MSRP and dealer contribution may vary and could affect your monthly lease payment. Cash due at signing includes $8,235 capitalized cost reduction, $969 first month's payment, $925 acquisition fee and $0 security deposit. Lessee responsible for insurance during the lease term, excess wear and tear as defined in the lease contract, $0.30/mile over 32,500 miles, plus disposition fee of up to $495 (not to exceed an amount permissible by law) at lease end. Not all customers will qualify for security deposit waiver. Tax, title, license, registration and any dealer fees and charges (if any) are additional amounts that are due at signing. Advertised monthly payment does not include applicable taxes. Purchase option price at lease end is $51,463, plus the purchase option fee disclosed in the lease contract. Additional tax, title, and government fees may also apply. Offer valid through November 30, 2026 and may be combined with other offers unless otherwise stated. Models pictured may be shown with metallic paint and/or additional accessories. Visit your authorized BMW Center for important details.

APR: Through November 30, 2026, 2.49% APR financing for up to 72 months is available on 2022-2024 BMW Certified Pre-Owned iX models. A 72 month finance contract for a 2022-2024 BMW Certified Pre-Owned iX model, and an APR of 2.49%, requires 72 monthly installments of $14.97 per $1,000 financed. No down payment is required for well qualified customers. Offer valid through 11/30/2026. Offer available from participating BMW Dealers to eligible, qualified customers with excellent credit history who meet BMW Financial Services NA, LLC credit requirements. Not all customers will qualify for the lowest rate or down payment waiver. Other rates and terms available. All offers subject to vehicle availability. Payment Deferral: Delayed first payment is not available in PA or ME. Interest will accrue during 90-day period to first payment and will be due prior to maturity of the contract. This offer is available on all model-year 2021-2024 CPO BMW models with 36-to-72-month retail contracts financed through BMW Financial Services NA, LLC, excluding Select contracts. To be eligible, qualified customers must have excellent credit history and meet BMW Financial Services’ credit requirements. Not all customers will qualify. Other rates and terms available. All offers subject to vehicle availability. Offer valid through 11/30/2026.

Additional terms and conditions: 60 manufacturer savings + $60 additional BMW Tire Center savings = $120 Prepaid Mastercard® with purchase of four eligible Bridgestone, Continental, Michelin, or Pirelli tires. $80 Prepaid Mastercard with purchase of four eligible Goodyear tires. Contact center for details regarding eligible tires. Submit your claim online at www.tireoffers-center.com with offer code 2026-106B or mail claim form and a copy of your invoice to receive a Prepaid Mastercard in the amount of $120 or $80 on valid purchases made between October 1, 2026, and December 31, 2026. Invoices must clearly indicate the tire brand and part number. Limit one mail-in offer per qualifying purchase. Only two rebates per household. Offer available only at participating US BMW centers. Offer valid for US residents only. Completed rebate form must be postmarked or submitted online no later than January 31, 2027, and received no later than February 28, 2027. Any submissions received after February 28, 2027, will not be honored, acknowledged, or returned. BMW or its authorized centers or tire manufacturers are not responsible for noncomplying rebate claim submissions or for electronic data submission errors, lost, late, illegible, postage-due, or undeliverable mail. Online claims will receive a confirmation of submission, please retain this confirmation. Void where taxed, restricted, or prohibited by law. All decisions made by the sponsor (or its authorized representatives) relating to the validity of any submissions are final and binding. This promotion is subject to all federal, state, and local laws and regulations. Rebate paid in the form of a Prepaid Mastercard. Card will be sent to customer’s provided address within 8–10 weeks after receipt of this completed rebate form and copy of original invoice. See authorized BMW center about tire manufacturers’ limited warranty. Images may be computer generated. Card/Virtual card is issued by Pathward®, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. No cash access or recurring payments. Card can be used where Debit Mastercard is accepted. Virtual card can be used where Debit Mastercard is accepted online, for phone/mail orders or in stores that accept mobile wallet. Card/Virtual card valid for up to 6 months; unused funds will forfeit after the valid thru date. Terms and conditions apply

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2601 N. Central Expy, McKinney, TX, 75071
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