Consumer Loan - BMW Premium Certified Used Cars
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)
- 8.29%
- 10.33% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year Option to pay weekly or fortnightly | 8.29% | 10.33% | Residual value topup |
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 Personal loan offers a fixed interest rate and no account keeping fees. You own your BMW 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
- Individuals onlyCustomer should be a Natural person with legal capacity to enter loan contract
- 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
- The vehicle must be used wholly or predominantly for personal, domestic or household purposes
Constraints
- Minimum balance — $25,000.00Loan amount must exceed $25,000
- Available across select preowned BMW Premium certified models 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 or Operating Lease is sought. Subject to vehicle stock availability and only at participating authorised dealers — Eligible Vehicle
- 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
- Minimum limit
More Information
Published by BMW Financial Services under the Consumer Data Right · Last updated 6 July 2026 · Product ID 1087b