Standard Rate - Consumer Loan Vehicles
Personal LoansNegotiable ratesBMW
BMW Consumer Loan is designed for customers purchasing a BMW primarily for personal use. With a fixed interest rate and no account-keeping fees, it offers a simple and predictable way to finance your vehicle. BMW Financial Services Australian Credit Licence 392387.
- From (owner occupied)
- 10.04%
- 12.11% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year Option to pay weekly or fortnightly | 10.04% | 12.11% | Range of interest rates |
Fees
| Fee | Type | Amount |
|---|---|---|
| Early Termination Fees | Exit | 275% of balance |
| Establishment Fees | Upfront | $590.00 |
| Dealer Origination Fees | Upfront | $935.00 |
| PPSR Fees | Event | $0.00 |
| Account Keeping Fees Charged monthly · No Account keeping fees | Ongoing | $0.00 |
| Cheque Dishonour Fees | Dishonour | $15.00 |
| Direct Debit Dishonour Fees | Dishonour | $5.00 |
| Verification Statement Fees | Event | $0.00 |
Features
- Digital banking
- Online application with quick verification and dealer support. Manage your finance contract with BMW One app
- Our consumer loan offers a fixed interest rate and no account keeping fees. You own your vehicle with predictable costs and long-term benefits
- Tailor your finance with a balloon or Guaranteed Future Value. Conditions apply
- Bill payment (BPAY)
- Option to pay via Direct Debit or BPAY
- Extra repayments
- Customer may pay out the loan contract early, subject to an early termination fee
Eligibility
- The vehicle must be used wholly or predominantly for personal, domestic or household purposes
- Minimum age — 18 yearsApplicants must be aged 18 years or over
- New customers must not be an undischarged or discharged bankrupt. Existing customers must not be an undischarged bankrupt
- Residency status — Applicants must have the legal right to work in Australia. If working rights cannot be established, finance cannot be provided
- Credit Assessment: Eligibility is subject to credit approval based on the applicant’s financial and employment information. Lending criteria, fees, charges and conditions apply
- Individuals onlyCustomer should be a Natural person with legal capacity to enter loan contract
Constraints
- Minimum balance — $6,500.00Loan amount must exceed $6,500
- Offer applicable across all BMW, BMW Motorrad and Rolls-Royce brands across new, demonstrator and used motor vehicles & motorcycles. The maximum age of a vehicle at end of term is 14 years, or 12 years if a balloon payment (RV) is sought, or 8 years if a Full Circle Loan (BMW cars only). Subject to vehicle stock availability and only at participating authorised dealers or Operating Lease is sought — Eligible Vehicles
- Maximum LVR — 12500%The maximum loan amount can be up to 125% of the vehicle’s assessed value
- Customers must take out comprehensive insurance coverage over the Vehicle for the loan term and specify the BMW Financial Services as the interested party
More Information
Published by BMW Financial Services under the Consumer Data Right · Last updated 6 July 2026 · Product ID 1008b