BMW Financial Services offer a variety of refinancing options and can help you get the refinance loan you need and provide you with extra cash and improve your personal cash flow.

  • What?

    If you are looking for a loan with a maximum repayment period up to 60 months and get competitive interest rates, step into BMW Financial Services and let our friendly Finance & Insurance Specialist take care of you.

  • Privileges
    • Get a better credit line up to 100% of your outstanding loan
    • Competitive interest rates
    • Flexible installment periods up to 60 months


  • How it works?

    Four easy steps get the BMW Refinancing.

    Step I: Complete the application form

    At BMW Dealership, you will find the Finance & Insurance Specialist who has extensive expertise in refinancing. They will talk you through the program and provide you necessary information you need to make the decision. Once you have decided to apply for BMW Refinancing you are required to complete the application form.

    Step II: Ensure you have the necessary documents

    As part of the application process, you will need to submit all the documents to BMW Financial Services

    • A certified copy of ID card (Copy of Passport Photo Page and Expiry Date
    • A certified copy of House Registration Certificate
    • Copy of Pay-Slip ( last month) / Salary Confirmation Letter
    • Copy of Bank Savings Account and/or Current Account (6 months and
    update within 1 month)
    • Original Car Registration booklet.

    Step III: Complete the agreement

    If we accept your BMW Refinancing application, the Finance & Insurance Specialist will print an agreement. You will need to check and sign the agreement.

    Step IV: Getting an agreement easy

    Once you've signed the finance agreement, you will be given a copy for your reference. We will transfer money to your bank account or provide you the cheque.

    Shortly after this, we will send you a Welcome Pack which contains everything you need to know about your agreement plus additional information that might be of interest.


Enjoy the moment. The future is guaranteed.

BMW Full Circle offers unprecedented choice and security for our commercial and consumer customers. With attractive repayments under the program, enjoying a unique combination of dynamic performance and luxury is more achievable than you think.

BMW Full Circle is designed so you can enjoy the future with the security of knowing exactly how much your BMW will be worth at contract’s end with a Guaranteed Future Value.[3]
Enjoy the flexibility of the BMW Full Circle program by selecting the contract term that best suits your needs. Then at contract end, you can either trade-in, refinance, buy or simply hand in the keys.

A BMW Chattel Mortgage is an ideal way for individual business customers to maximise the taxation benefits gained from financing a new vehicle.

A BMW Chattel Mortgage is an ideal way for individual business customers to maximise the taxation benefits gained from financing a new vehicle.[4]

A BMW Chattel Mortgage will give you the ability to tailor your finance contract to best suit your needs with flexible contract terms (24 to 60 months), deposit amount and final payment.

Once you have decided on the vehicle of your choice, simply speak with the Business Manager at your preferred BMW dealer. They can advise you on the full range of options and tailor a finance package to suit your needs.