Individually Sourced, Structured BMW Financing

Jade Finance provides BMW buyers with the luxury of individually sourced and structured services to acquire financing which is customised to their specifications and those of their vehicle. A luxury we consider is expected by discerning buyers of this aspirational brand.

We provide a complete portfolio of funding products and options to suit all buyers – private, self-employed, business and corporate fleets. A portfolio suited to the extensive collection of BMW models with the multiple variants available within many of the Series. We source the right lender to suit each individual buyer, negotiate for the best interest rates and terms, and tailor their funding package specifically to their requirements.

Whether purchasing a petrol, diesel, full-electric or plug-in hybrid BMW, a sedan, a convertible or a SUV, speak with Jade about our BMW loan options, customised for you.

Compare Our BMW Loan Options with Other Luxury Car Financing Options

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Overview of Our BMW Car Loans

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Defined by German engineering excellence, BMW is an aspirational luxury auto manufacturer with an extensive model range. The range includes sedans, SUVs, coupes, convertibles, hatches, roadsters and touring models with full electric, plug-in hybrids, petrol and diesel options. Vehicles with universal appeal for private and business driving, touring and commuting.

Whether purchasing from the 1 Series, 2 Series, 3, 4, 5, 7 or the 8 Series, which includes the Gran Coupe, our tailored car loans can make the vehicle more accessible. Our brokers secure the lowest rates to suit each buyer and negotiate terms to deliver the most affordable repayment structure.

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Private buyer funding is arranged with fixed interest rates, fixed terms and fixed repayments. The selection of business vehicle funding facilities also includes the best fixed rates, negotiated terms, balloons and residuals, and are structured to optimise available tax benefits. For corporations upgrading their fleets, we structure packages that are workable and cost-effective.

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Please contact us for further details on the most suitable financing for your BMW and an individually sourced quote.
  • Competitive rates on Personal Secured BMW Car Loans.
  • BMW Leasing with competitive rates, structured residuals.
  • Chattel Mortgage and CHP BMW Finance with lowest rates, negotiated balloon.
  • Fixed lowest rates, fixed terms up to 7 years.
  • BMW i Series full-electric vehicle financing.
  • Business and fleet BMW vehicle financing.
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Swift, Simple, Seamless BMW Car Loans Application, Approvals Process

With such an extensive selection in the BMW range, it may take buyers a while to decide which model and which fuel system - petrol, diesel, full-electric or hybrid, best suits their requirements. But once they’ve made their choice, buyers can enjoy a much speedier process when financing BMW models with Jade.

Applications can be made before or after purchase via our online forms or over the phone. Approvals can be received within 24 hours, and we assist with settlement with the dealer to ensure clients are behind the wheel of their BMW expeditiously. Our services are available to BMW buyers throughout Australia – simply connect online with your requirements, and we will handle the entire process.
  • Swift, easy BMW Car Loans Application Process.
  • Fast 24 hour approvals.
  • Seamless online or convenient phone application options.
  • Australia-wide financing for BMW models.
Cars BMW Z-series for rally car lovers

Check Your Eligibility for Private and Business Luxury Vehicle Financing

Motor vehicle lending products are different for private and business buyers, with varying eligibility criteria, rates and lender approval guidelines. Under Consumer Credit Laws, private car buyers requiring personal vehicle credit will need to be 18+ years old and provide information on employment, income, financials and other similar details.

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Credit scores are reviewed by lenders with good scores, and history offered the best rates. Applicants with good creditworthiness and ability to furnish the loan may be offered no deposit BMW loans.

Businesses acquiring BMW vehicles for a commercial entity will require an ABN and will be requested to provide a range of financials. Some banks and lenders also require the business to have traded for 12-24 months to meet their guidelines.

To assist new and start-up enterprises that do not meet those trading time guidelines or do not have complete financials, we have connections with lenders that approve premium car financing on a No Docs and Low Docs basis.

Commercial vehicle funding products – Leasing, Chattel Mortgage and Commercial Hire Purchase, have varying features, including suitability to either the cash or accruals method of accounting. Buyers are advised to discuss with their accountant which facility best suits their business structure. Tax deductions are available on all commercial vehicle credit facilities. Deductions are subject to meeting ATO criteria and guidelines.

Contact our brokers to discuss a quote on the credit facility most suited to your BMW purchase.

As specialists in luxury vehicle funding for more than 25 years, we have the experience, expertise and preparedness to find BMW buyers the most cost-effective funding. We focus on obtaining the best interest rates and the most workable repayments to suit individual buyers.

Buyers can compare our current best rates with others in the market with our Lender Comparison Table. Using our financing calculator, buyers can quickly generate estimates using our rates to compare with other options and see what savings we may obtain for them.

The calculator can also be used to prepare preferences for terms, balloons and residuals and make decisions about deposits on a new BMW. For the specific rate and offer we can source for you, request a quote for a prompt response.

  • Online calculator to compare rates, credit facilities, and options.
  • Compare our low rates and potential savings.
  • Compare varying terms to establish repayment preferences.

Appreciate the Benefits of Financing for BMW Models through Jade Finance

In line with the expectations of luxury car buyers, we provide a highly personalised service when sourcing vehicle funding. Each client is assigned one of our brokers with specific experience in sourcing and negotiating BMW funding. This provides buyers with a seamless financing service. Reducing the time to source and settle funding, eliminating much of the aggravation associated with arranging financing and elevating the entire experience. Allowing buyers to drive away in their BMW sooner, confident that their best interests have been addressed with the financing.
  • Extensive auto lender market coverage – 80+ lenders.
  • Individually assigned brokers to each client.
  • Specialist, highly experienced BMW finance brokers.
  • Experts to source the right lender for the best rates on BMW financing.
  • Personalised service, seamless BMW car loan experience.
brunette woman driving luxury red car

Comprehensive Options for Financing for BMW Models Across the Range

We provide funding for all BMW models, across the range, including the new full-electric and high-end variants. We’re across the lending market and the automotive market. We know the BMW range and have the complete selection of funding packages to suit all buyers of all models in all Series.


Our brokers tailor packages to suit the projected resale value of the vehicle and the specific ownership cycle of the individual BMW buyer. Residuals with Leasing and balloons with Chattel Mortgage and CHP are negotiated to suit the estimated value of vehicles at the expected resale time.


Terms are negotiated to deliver private buyers of sedans, convertibles and SUVs with monthly repayments that make a BMW accessible and affordable. For corporate buyers, packages are structured to optimise current tax benefits and in line with individual asset acquisition requirements.


Request a quote for your tailored BMW financing solution.

  • Customised corporate fleet financing packages.
  • Tailored BMW Leasing Plans.
  • Chattel Mortgage for BMW with negotiated balloon
  • Tax-optimised solutions for BMW business vehicles.
  • BMW financing tailored to individual ownership cycle.
  • Personal secured BMW loans with affordable repayments.
Lender Loan Product Advertised Rate Comparison Rate Monthly Repayment
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* The comparison rate displayed is calculated for a loan of $30,000 over 5 years. The results from this calculator should be used as an indication only. Quoted repayments are based on advertised rates and do not include lender fees and charges. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you speak with us so that we can provide you with advice that is tailored to your situation.

DISCLAIMER: This comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for business finance or any indication that an application has been received or approved. The rates quoted are for business use where the funds are predominately for business use and may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.

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BMW Financing FAQ's

The price of luxury BMW vehicles can be a considered purchase for some buyers, while most, if not all, buyers will be seeking the most affordable financing. Through our accreditation with 80+ lenders, which includes the major banks and non-bank lenders, our clients can be assured that we have deep lender market coverage. Coverage which enables our highly skilled brokers to find the right lender to suit their profile and the best rates available on the market at that time. Whether purchasing a BMW Z4 roadster for touring, an X5 SUV for the family, a 3 Series Sedan as an executive vehicle, or any other BMW model, ensure the financing experience is a luxurious as the drive by contacting Jade for a quote.

  • Lenders assess the credit profile and other details in a lending application to arrive at the interest rate they will offer to that applicant. The amount requested, which may reflect the pricing of the BMW, may affect the interest rate. But the fuel system – electric, petrol or diesel, should not have a bearing on the interest rate offer.

  • No deposit funding is subject to lender approval. It is available to applicants with good credit and strong financials. No deposit credit allows for the full purchase price of the vehicle to be borrowed.

  • Motor vehicle credit can be approved for terms of up to 7 years/84 months for many applicants and many vehicles. The term approved will be subject to the lender guidelines.

  • The amount borrowed, the term and the rate will determine the repayments. The difference between credit for a convertible compared with a sedan will depend on the loan amount requested and the interest rate. The interest rate is determined primarily by the credit rating of the applicant.

  • Both Leasing and Chattel Mortgage can be effective credit facilities for BMW business buyers. The suitability of each depends on the accounting method, tax strategy, balance sheet approach and financial objectives of the enterprise.

  • Online lending calculators are set-up to generate estimates only. They do not allow for lender charges, nor do they have the functionality to allow for differences in users’ credit ratings. The credit rating affects the interest rate. Offers can differ from estimates generated with a calculator as they are based on the rate for the applicant and will include the lender’s fees and charges.

  • Buyers acquiring a BMW for use as their business vehicle can select from Chattel Mortgage, Hire Purchase and Leasing. If a new enterprise does not have complete financials, it may seek No Docs BMW funding through brokers and specialist lenders. Low Docs and No Docs funding may also suit enterprises that do not meet minimum trading period criteria.

  • The monthly payments on a motor vehicle Lease are fully deductible. GST is applied to the monthly payments and can be claimed by enterprises that are registered for GST.

  • The term approved by individual lenders for individual loan applicants can vary. Terms of up to 7 years or 84 months can be approved by many lenders.

  • Yes. Applications for motor vehicle credit may be submitted and approved prior to purchase. The amount required for the credit can be estimated and finalised when the purchase is made, and an invoice from the dealer is provided.