BMW Financial Customer Service

BMW Financial Services (BMW FS) is the car manufacturer’s financing division. They provide auto loans and lease contracts to buyers of new BMW cars. They also offer auto loans to buyers of used or pre-owned vehicles.

BMW FS is committed to excellence and offers a variety of benefits and programs to make your ownership experience as enjoyable as possible. To learn more, contact an authorized BMW Center.

Customer Service

Whether you’re looking to buy a BMW car or SAV or you’re currently financing one, the team at your local BMW Center can provide you with all the answers you need about your auto loan. They are here to help you find a financing product that fits your needs, while also helping you get the most out of your BMW ownership experience.

BMW Financial Services (BMW FS) is the finance arm of the BMW Group. It offers a variety of auto loans and lease contracts for customers purchasing BMW, MINI, Rolls-Royce Motor Cars, and other vehicles from the company’s dealer network. BMW FS is dedicated to providing a great customer experience, and it also helps to support the business operations of the dealerships that it works with. Its products and services include a variety of unique mobile apps, insurance, and warranty products, as well as various fleet management options. The company employs over 8,000 people globally.


The finance department at a BMW dealership can help you with the company’s financing options. They’re familiar with the company’s rates and discounts, and can help you decide if a BMW loan is right for your budget.

You can also use the company’s online application to see what you might qualify for. This can save you time and hassle at the dealership, as well as allow you to shop around for other auto loans.

Like other car manufacturers, BMW FS offers incentives for well-qualified buyers. These can include reduced APR rates, special lease terms, and other bonus programs. In addition, they offer a military lending program to support active duty service members. This program complies with The Military Lending Act, which limits interest rates for this group.

Loan & Lease Payment Relief

Whether you lease or finance your BMW, you may qualify for special incentives, depending on your situation. For example, active duty service members and veterans receive $500 to $2,000 off a new car when buying or leasing a vehicle through BMW Financial Services. You may also be able to get credit rates that are lower than those available to the general public.

It’s not unusual for auto manufacturers to have their own financing operations, and BMW is no exception. In fact, the company has its own division, called BMW Financial Services (BMW FS). As such, it offers unique programs that aren’t available elsewhere. These include a mileage deferment program, a buyback option and a flexible mileage program. In addition, it has a unique program that allows you to make a lump-sum payment on your lease early and avoid a disposition fee. This is a great way to save money on your lease or loan payments.

Alternative Lenders

BMW’s finance wing provides auto loans and leasing agreements to BMW buyers and lessees. Buyers can apply for financing through the FS website or the more typical route of visiting a dealer and handling the credit application as part of the purchasing process.

Eligibility depends on a number of factors, including credit history, income, down payment size, and the BMW model in question. The lender offers competitive rates and a range of discounts, including for members of the military and recent college graduates.

BMW FS also offers balloon financing, which carries lower monthly payments but requires a larger final payment at the end of the term. Some lenders charge prepayment fees, which could wipe out any savings resulting from paying off the loan early. This is an area where it’s generally best to shop around for the best rates and terms. Using an online car loan calculator can help you compare auto loan offers from a wide variety of lenders. BMW Financial Customer Service

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