APPLY FOR FINANCING

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Privacy Statement

IMPORTANT NOTICE

This online financing application service is for U.S. residents only (applying as individuals or joint applicants, not as businesses). This is an official financing application and, as such, a credit bureau inquiry under your name will be processed each time you submit an application. Any financing approval is valid at your selected BMW Center only and is subject to finalization of vehicle selection and financing structure by your chosen BMW Center. If a higher financing amount is required, additional information may be requested by your BMW Center.

Application or approval for financing is not a guarantee of availability of a particular vehicle. Contact your BMW Center for exact inventory availability.

Before submitting your application, please review it for accuracy.

© 2025 BMW Financial Services NA, LLC. The BMW wordmark, BMW logo and Beyond the Drive are trademarks of BMW AG. BMW Financial Services NA, LLC, NMLS #2738.

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Credit Application Help

How To Apply:

BMW Financial Services provides an easy way for you to begin your on-line credit application process.

There is no cost or obligation when you submit an application, and your personal information is protected and shared only with your selected BMW Center. Please read our "Privacy Statement" for more privacy and security information.

In order to complete the application you will need the following information for yourself and your co-applicant, if applicable:

  • Personal Information.
  • Address Information.
  • Financial Information.
  • Dealer and Vehicle Information.

If you do not have a preferred BMW Center , you may use our center locator to find one nearest to you.

Your application will be encrypted for security, transmitted to BMW Financial Services for processing.

If you submit your application during normal business hours (Monday - Friday, 8am-5pm ET), you will receive an e-mail decision from BMW Financial Services within 24 hours of your submission.

On the same business day after submitting your application your BMW Center will automatically receive the credit decision.

If approved, your approval will remain valid so long as you complete the financing transaction and take delivery of your vehicle within 60 days from date of application.

IMPORTANT:

Please be sure to contact your selected BMW Center after you have received your credit decision. Your BMW Center is the final and most important step in ensuring you become a proud BMW customer.

What Happens Next?

The Approval Process

After you have submitted your credit application to BMW Financial Services, we will review your information from one of the major credit bureaus, and arrive at a decision. This decision will be e-mailed to you within 24 hours if you have submitted your application during normal business hours (Monday - Friday, 8am - 5pm, ET).

Credit bureaus routinely collect and maintain information from credit card companies, banks, and department stores about your payment history and use it to compile your credit report.

Once you have received your credit decision, the most important step is to visit your selected BMW Center. If you were declined for credit with BMW Financial Services, you may still visit your BMW Center to discuss other vehicle and financing options that may be available to you.

What to Expect at your BMW Center

Your BMW Center will have your credit application on file. The BMW Center will work with you on securing the right vehicle and financing options available for you.

To complete the sales transaction, you will need to present the following to your BMW Center:

  • Two forms of identification, including one picture ID which can be a valid driver's license or International Drivers License.
  • A copy of your auto insurance including your agent's name, address, and phone number.
  • The title and/or lien information on the vehicle you are trading in, if applicable.
  • The vehicle you are trading in, if applicable.
  • A check for your down payment, taxes, title and license fees. Please note that tax, title, and license fees vary by state, and are not included in our on-line estimators and vehicle MSRP's.

Application FAQ

Q: Is my personal information secure in an on-line application?
A: BMW Financial Services wants to ensure that your Internet transactions are protected. All credit communications with BMW Financial Services are over Secure Socket Layer (SSL) with 128 bit encryption, which is supported by every modern web browser. Please see our privacy statement for more details about your privacy and security.

Q: How does BMW Financial Services make a credit decision?
A: Our credit experts will review your credit history with one of the major credit bureaus, such as Equifax. The information you have provided on your application will be considered in light of your outstanding loans and your payment history. After careful review, our credit expert will make an informed decision. As soon as a decision is reached-typically within 24 hours-you will be notified via e-mail.

Q: How does the BMW Center learn about my credit decision?
A: Your selected BMW Center will be notified via their internal BMW Financial Services computer system. The BMW Center typically receives your application and approval notification within 24 hours of submission.

Q: Do I need to fill out another application once I visit the BMW Center?
A: No. Your BMW Center will have on file your credit application via their internal BMW Financial Services computer system.

Q: Is my application good at any BMW Center?
A: No. Your BMW Financial Services credit application is only good at the BMW Center you selected.

Q: How long is my credit approval valid for purchasing a BMW ?
A: Your credit approval is valid for 60 days from the date of submission. Please see your BMW Center right away to expedite the vehicle ordering process.

Q: Is the payment I estimated with the on-line payment estimator guaranteed?
A: No. This is only an estimate, and is subject to change based on variables such as credit approval, down payment and actual trade-in value as determined by your BMW Center. The on-line estimator also does not include taxes, title and license fees. Your final selling price is determined by your BMW Center.

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Estimated Payment

Estimated payments exclude applicable taxes, title, registration, license, and documentary fees, and will vary depending upon the final price and terms agreed upon between you and your BMW Center. Calculation of this estimated payment may include a credit or rebate. The availability and amount of credits and rebates are subject to changes in law and subject to BMW Center participation, which could affect the estimated payment. Consult your selected BMW Center for more information regarding the availability of a credit or rebate on your chosen vehicle.