BMW Finance
Competitive BMW finance for M cars, the X range, i models and the full BMW line-up.
BMW finance gives you access to the full Munich line-up — from an M3 or M4 to an X5, i5 or 7 Series — without tying up your capital. As an FCA-regulated brokerage with more than 40 lenders on our panel, 365AF arranges competitive BMW finance on new, approved-used and enthusiast cars alike.
Because we're not tied to a single funder, we can often beat dealership finance on rate or structure — particularly on M cars and higher-value models where specialist lenders price residuals more keenly. Buying, upgrading or refinancing, we'll find the facility that fits.
Models we finance
- BMW M3, M4 & M5
- BMW M8 & XM
- BMW X5, X6 & X7
- BMW i4, i5, i7 & iX
- BMW 5 Series & 7 Series
- Classic & enthusiast BMWs (E46 M3, E39 M5)
Finance options
- Hire Purchase (HP) — Spread the cost over an agreed term with fixed monthly payments and own the BMW outright at the end — simple and predictable.
- PCP (Personal Contract Purchase) — Lower monthly payments with an optional final payment based on the car's projected future value — the most popular way to fund newer BMWs.
- Lease & Finance Lease — Use the car for an agreed term without full ownership — efficient for business users and company directors.
- Refinance & Equity Release — Refinance an existing BMW to lower monthly outgoings, or release equity from a car you already own to free up capital.
Why choose 365AF?
- 40+ lenders competing on rate — often sharper than dealership finance
- Specialist funders for M cars, i models and modern classics
- Hire purchase, PCP, lease, refinance and equity release under one roof
- FCA-regulated, soft-search first — no credit-score impact to get a quote
- Fast decisions — often the same day
Frequently asked questions
Can I finance a BMW M3 or M4?
Yes. M cars are among the most popular vehicles we finance. We arrange HP, PCP and lease facilities on new and used M models, with lenders who understand their strong residual values.
Is broker finance cheaper than BMW dealership finance?
Often, yes. Because we put your deal in front of a panel of more than 40 lenders, we can frequently improve on the rate or structure offered by a single dealership funder. A soft-search quote will show you without affecting your credit score.
How much deposit do I need for BMW finance?
Deposits typically start from around 10% of the car's value, varying by lender and model. Larger deposits usually unlock better rates.
Will a BMW finance quote affect my credit score?
No. We start with a soft search for an indicative decision, which leaves no mark on your credit file. A full application is only submitted with your consent.
Can a business finance a BMW?
Yes. We arrange finance for individuals and for sole traders, partnerships and limited companies, and can advise on the most tax-efficient structure for business use.