With BMW Finance, you have the opportunity to access more competitive interest rates if you make a bigger deposit, helping you save as you enjoy your new Ultimate Driving Machine.
Until 30 September 2026, receive a 5.99% p.a. comparison rate, on a maximum amount financed, on 36 to 48 month loan agreements with a Guaranteed Future Value handback option.
This means that to be eligible for the rate offer, there is a maximum amount we will finance for each model series as outlined below and you’ll need to make a deposit of at least 30% to 33% for the balance of the vehicle drive away price (which will vary depending on vehicle selected).
EXCLUSIVE FINANCE RATE OFFERS FROM BMW FINANCE.
The BMW 118 Hatch with BMW Finance
Comparison Rate: 5.99% p.a.
Maximum Finance amount: $46,500
Customer Deposit Required: At least 30% of the vehicle drive away price
Finance set up fees: $0
Model eligibility: New and Demonstrator BMW 118 Hatch and 120 Hatch models
Find your next BMW 118: BMW 1 Series stock locator
The BMW M135 xDrive Hatch with BMW Finance
Comparison Rate: 5.99% p.a.
Maximum Finance amount: $65,500
Customer Deposit Required: At least 30% of the vehicle drive away price
Finance set up fees: $0
Model eligibility: New and Demonstrator BMW M135 xDrive Hatch models
Find your next BMW M135: BMW M135 xDrive Hatch stock locator
The BMW 218 Gran Coupé with BMW Finance
Comparison Rate: 5.99% p.a.
Maximum Finance amount: $46,500
Customer Deposit Required: At least 31% of the vehicle drive away price
Finance set up fees: $0
Model eligibility: New and Demonstrator BMW 218 Gran Coupé models
Find your next BMW 218: BMW 218 Gran Coupé stock locator
The BMW X1 sDrive18i with BMW Finance
Comparison Rate: 5.99% p.a.
Maximum Finance amount: $46,500
Customer Deposit Required: At least 33% of the vehicle drive away price
Finance set up fees: $0
Model eligibility: New and demonstrator BMW X1 sDrive18i models
Find your next BMW X1 sDrive18i: BMW X1 sDrive18i stock locator
The BMW X1 sDrive20i with BMW Finance
Comparison Rate: 5.99% p.a.
Maximum Finance amount: $51,000
Customer Deposit Required: At least 30% of the vehicle drive away price
Finance set up fees: $0
Model eligibility: New and demonstrator BMW X1 sDrive20i models
Find your next BMW X1 sDrive20i: BMW X1 sDrive20i stock locator
The BMW X1 xDrive20i with BMW Finance
Comparison Rate: 5.99% p.a.
Maximum Finance amount: $56,200
Customer Deposit Required: At least 30% of the vehicle drive away price
Finance set up fees: $0
Model eligibility: New and demonstrator BMW X1 xDrive20i models
Find your next BMW X1 xDrive20i: BMW X1 xDrive20i stock locator
The BMW X1 M35i xDrive with BMW Finance
Comparison Rate: 5.99% p.a.
Maximum Finance amount: $70,000
Customer Deposit Required: At least 32% of the vehicle drive away price
Finance set up fees: $0
Model eligibility: New and demonstrator BMW X1 M35i xDrive models
Find your next X1 M35i xDrive: BMW X1 M35 xDrive stock locator
The BMW X3 20 xDrive with BMW Finance
Comparison Rate: 5.99% p.a.
Maximum Finance amount: $70,000
Customer Deposit Required: At least 31% of the vehicle drive away price
Finance set up fees: $0
Model eligibility: New and demonstrator BMW X3 20 xDrive models
Find your next BMW X3 20 xDrive: BMW X3 20 xDrive stock locator
The BMW X3 40d xDrive with BMW Finance
Comparison Rate: 5.99% p.a.
Maximum Finance amount: $85,000
Customer Deposit Required: At least 30% of the vehicle drive away price
Finance set up fees: $0
Model eligibility: New and demonstrator BMW X3 40d xDrive models
Find your next BMW X3 40d xDrive: BMW X3 40d xDrive stock locator
The BMW X3 30e xDrive with BMW Finance
Comparison Rate: 5.99% p.a.
Maximum Finance amount: $80,000
Customer Deposit Required: At least 31% of the vehicle drive away price
Finance set up fees: $0
Model eligibility: New and demonstrator BMW X3 30e xDrive models
Find your next BMW X3 30e xDrive: BMW X3 30e xDrive stock locator
The BMW X3 M50 xDrive with BMW Finance
Comparison Rate: 5.99% p.a.
Maximum Finance amount: $99,000
Customer Deposit Required: At least 30% of the vehicle drive away price
Finance set up fees: $0
Model eligibility: New and demonstrator BMW X3 M50 xDrive modelss
Find your next BMW X3 M50 xDrive: BMW X3 M50 xDrive stock locator
The BMW X5 xDrive30d M Sport with BMW Finance
Comparison Rate: 5.99% p.a.
Maximum Finance amount: $102,700
Customer Deposit Required: At least 32% of the vehicle drive away price
Finance set up fees: $0
Model eligibility: New and demonstrator BMW X5 xDrive30d M Sport models only
Find your next BMW X5 xDrive30d M Sport: BMW X5 xDrive30d M Sport stock locator
The BMW X7 with BMW Finance
Comparison Rate: 5.99% p.a.
Maximum Finance amount: $130,800
Customer Deposit Required: At least 30% of the vehicle drive away price
Finance set up fees: $0
Model eligibility: New and demonstrator BMW X7 xDrive40d and X7 xDrive40i models only
Find your next BMW X7: MW X7 xDrive40d and X7 xDrive40i stock locator
Offer valid across the range on select new and demonstrator BMW 118 Hatch, 120 Hatch, M135 xDrive Hatch, 218 Gran Coupé, X1 sDrive18i, X1 xDrive20i, X1 sDrive20i, BMW X1 M35i xDrive, X3 20 xDrive, X3 40d xDrive, X3 M50 xDrive, X3 30e xDrive, X5 xDrive30d M Sport, X7 xDrive40d and X7 xDrive40i models with finance applications submitted and approved with vehicles ordered and delivered between 01.07.2026 and 30.09.2026.
Terms and Conditions
BMW Finance, Australian Credit Licence 392387. Fees, charges, conditions and eligibility criteria apply. BMW Finance reserves the right to change or withdraw the offer at any time. Lease arrangements are not eligible for the offer. Participating authorised BMW dealerships only. Cannot be combined with other offers.
Comparison Rate Warning. Comparison rate based on a 5 year secured loan of $30,000. WARNING: This comparison rate is true only for the example given & may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Government Charges apply.
BMW Full Circle in the case of a loan, consists of an option to deliver the vehicle to us instead of paying the Guaranteed Future Value final balloon lump-sum repayment amount (GFV) at the end of the contract term, provided the vehicle is undamaged except for fair wear and tear as approved by us and provided that the contracted kilometre allowance has not been exceeded. The GFV is not a representation of the anticipated market value of the vehicle at the end of the contract term.
^Visit BMW.com.au for warranty and BMW Roadside Assistance information.