BMW Financial Services
BMW Financial Services
Lease it, finance it, or make it yours — your call.
Whichever way you get behind the wheel, BMW of Albany makes the numbers clear and the paperwork painless. Here's how leasing, financing, and protection work — and how to start from your couch or our showroom on E Oglethorpe.
Two ways to your next BMW
Some drivers want the newest model every couple of years. Others want the title in the glovebox and the freedom to do whatever they like with it. Here's the honest breakdown of both.
The flexibility of leasing
Love driving the latest BMW? A lease lets you swap into a newer model more often, with less to worry about down the road.
- A new vehicle every few years
- Lower monthly payments
- Fewer long-term commitments
The security of financing
Ready to own your BMW outright? Financing means it's yours to keep, modify, and drive as far as you please.
- Full vehicle ownership
- Personalize it with the options you want
- No mileage limits or penalties
A lease built around how you actually drive
Pick your term length, dial in the miles you really need, and keep the monthly payment where you want it. These BMW Financial Services programs give you room to adjust as life changes.
Pre-Pay Lease Program
Prefer to pay the whole lease up front? You'll get discounted payments plus flexibility — and when the lease ends, the liquidity to buy the BMW if you want it.
Multiple Security Deposits
Put down up to seven security deposits on a new lease — or transfer your balance from an existing lease at term end — to keep monthly payments low.
Mileage Adjustment Program
Drive more than you planned? Buy additional miles at a discounted rate right up until the day before you turn the vehicle in.
Credit Lock
Lock in an attractive rate for an extended period so a great offer today doesn't slip away before you're ready to sign.
Lease Extensions
Not ready to say goodbye? You may be able to extend your lease. Check your My BMW account to see how to hold onto it longer.
Guidance for Vehicle Return
Coming up on the end of your term? If you decide to return the car, BMW Financial Services walks you through every step.
Financing that keeps your options open
Customizable terms, no mileage restrictions, and the ability to lean on your trade-in value when it's time to upgrade. Here are three ways financing works in your favor.
Lock in your rate**
BMW Credit Lock holds your rate for an extended window, so a good deal now stays a good deal when you're ready.
Waived disposition fee
Finance your next BMW through BMW Financial Services and we'll waive your disposition fee at the end of your term.
Select Balloon Financing*
Ownership perks with lower monthly payments. When the balloon balance comes due, pay it in full, refinance it, or apply your trade-in equity toward it.
Savings programs for who you are
Just finished school, served the country, or need adaptive equipment? These programs put money back where it belongs.
BMW College Graduate
Recent grads earn special savings on a new or Certified Pre-Owned BMW — a solid way to celebrate the diploma.
Learn MoreBMW Military Program
Active-duty personnel, retirees, veterans, and military family members receive exclusive savings for their service.
Learn MoreBMW Accessibility Program
Rebates on adaptive equipment make your BMW easier to get in, out of, and enjoy every day.
Contact UsBMW International Executive
Working in the U.S. from abroad? You may qualify for this exclusive program — ask us how.
Contact UsProtection that goes the extra mile
From comprehensive protection plans to extended service coverage, we help keep your BMW safeguarded from the unexpected — mile after mile. Ask our team which plan fits how and where you drive around Southwest Georgia.
Contact UsBMW Cards
Put high performance in your wallet. Fast rewards and real perks — find the BMW Card that fits your driving life, then redeem rewards toward what matters to you.
Manage your account from anywhere
Log in to My BMW to check your balance, buy extra miles, review lease options, or send a secure message. Prefer the phone? Download the My BMW App from the App Store or Google Play and keep your account in your pocket.
Get in TouchFinancing questions, answered
How does BMW Financial Services work?
It exists to get you into the BMW you want with clear pricing, tailored lease and finance options, and real personal service. You'll be guided to the right products by people who know BMW best, plus access to exclusive benefits, offers, and events.
How does leasing work?
You personalize the lease around your driving — choosing term lengths, mileage needs, and more with low monthly payments. Your interest rate and the vehicle's residual value are built into the contract so you have full visibility into your terms.
Can I lease a used BMW?
In most cases, BMW Certified vehicles qualify for leasing. To be certified, a pre-owned BMW must have more than 300 but fewer than 60,000 miles. We review its CARFAX or AutoCheck report, confirm genuine BMW parts and current maintenance history, then trained technicians complete a 360-degree inspection, reconditioning, and a full road test on BMW diagnostic equipment.
How can I purchase more miles?
Through the Mileage Adjustment Program (MAP), you can buy additional miles at a discounted rate up until the day before you turn in your vehicle. Add miles by calling (800) 959-4269 or signing in to your My BMW account.
How does financing work?
BMW Financial Services offers competitive rates and flexible terms from 24 to 84 months with a wide range of down payment options. Depending on your budget, you can choose weekly, bi-weekly, or monthly payments.
How do I contact BMW Financial Services?
24/7 account info: 1 (800) 578-5000
Financial products & services (new or CPO): 1 (800) 831-1117
BMW Credit Card questions: 1 (866) 845-3079 (U.S.), or call collect 1 (701) 461-2543 internationally
You can also use the Secure Message Center, log in to My BMW, or download the My BMW App. Or just contact BMW of Albany directly using the form below.
Let's figure out your best path
Tell us how you like to drive and how you'd rather be reached. Our finance team at 801 E Oglethorpe Blvd will follow up quickly — no pressure, just straight answers.