BMW Finance

Buying a new or used BMW is an important decision so we are here to help you make sure that you have chosen the right purchase method for you with the help of our dedicated BMW Financial Services Specialists at each BMW Centre covering Cumbria, Lancashire and Newcastle upon Tyne.

Regulated and authorised by the Financial Conduct Authority, we put the customer at the heart of everything we do to ensure that our finance options are simple and transparent, making owning a BMW from us as convenient and affordable as possible.

We appreciate that there are many different ways to fund a vehicle purchase, so our BMW Financial Services Specialists will take the time to explain the different options and to help you work out which one best suits your requirements.  Whether you want to own the car at the end of the agreement or lease it, we offer a range of solutions and handle all the details throughout the set-up period to get you in your BMW and on the road as quickly as possible.

We always welcome our customers’ current vehicles in part-exchange and the value of the part-exchange vehicle can become all or part of the deposit towards the BMW you have chosen.  Finance agreements all involve varying levels of deposit and monthly payments over a fixed term (typically between 24 and 60 months) to enable you to tailor the finance to suit you.

All our BMW Centres offer the following types of finance solution:

BMW Select (PCP) Finance

This is the most popular BMW finance product as it guarantees the future value of your car, enabling you to defer a proportion of the car’s total value until the end of the agreement, meaning you can get more BMW for your money with affordable monthly payments.

BMW Hire Purchase (HP)

Using BMW Hire Purchase, you will own the BMW of your choice outright at the end of your agreement as you pay the full value of the finance contract over the fixed term with no mileage restrictions.

BMW Contract Hire (BCH)

This solution is ideal for Personal or Business customers who would prefer to hire a new BMW rather than own it.  It is a popular choice with Business customers as VAT-registered companies can reclaim up to 50% of the VAT on their rentals and up to 100% of the VAT on the maintenance charge if they go for the fully-maintained option.

However you want to purchase your new or used BMW, we have the solution for you so contact your local BMW Centre and we will be happy to help you find the car and finance package that fits your needs.

Finance packages are subject to status and terms and conditions apply.  Lloyd Motors Ltd is authorised and regulated by the Financial Conduct Authority (FRN 308524).

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