BMW Loans Australia

Compare BMW loan options

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Finder Score	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Rewards	Monthly Repayment
Promoted Finder Score 9.5 Excellent IMB New Car Loan Fixed1 - 7 Years $2,000 - $125,000	Finder Score 9.5 Excellent	Interest Rate (p.a.) 5.99%	Comp. Rate (p.a.) 6.34%	Application Fee $274.78	Monthly Fee $0	Monthly Repayment $616.71	Borrow up to $125,000, pay no account-keeping fees and repay with fixed repayments while having the ability to repay early.	Go to siteMore info Compare product selection Compare	loading
Promoted Finder Score 9.1 Excellent Stratton Finance New Car Loan Fixed1 - 7 Years $10,000 - $300,000	Finder Score 9.1 Excellent	Interest Rate (p.a.) 5.67% to 18%	Comp. Rate (p.a.) 6.1% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $617.41	Your own personal car loan broker can help you borrow up to $300,000 for your new car by choosing from a range of finance options.	Go to siteMore info Compare product selection Compare	loading
Promoted Finder Score 9.3 Excellent OurMoneyMarket New Car Loan ($5,000-$100,000) Fixed1 - 7 Years $5,000 - $100,000	Finder Score 9.3 Excellent	Interest Rate (p.a.) 5.95% to 18.99%	Comp. Rate (p.a.) 5.95% to 21.78%	Application Fee $0 min.	Monthly Fee $0	Monthly Repayment $607.99	No monthly or early exit fees. Loan amounts range from $5,000 to $100,000. Eligibility: Applicants with an Equifax credit score of 500 or above and an annual income of more than $25k are eligible.	Go to siteMore info Compare product selection Compare	loading
Finder Score 8.1 Great loans.com.au - New/Demo - Variable Rate Variable3 - 7 Years $5,000 - $150,000	Finder Score 8.1 Great	Interest Rate (p.a.) 5.99% to 15.89%	Comp. Rate (p.a.) 7.12% to 17.01%	Application Fee $400	Monthly Fee $8	Monthly Repayment $628.52	Go to siteMore info Compare product selection Compare	loading
Finder Score 8.5 Great RACV New Car Loans Fixed1 - 7 Years $5,000 - $100,000	Finder Score 8.5 Great	Interest Rate (p.a.) 6.59% to 17.69%	Comp. Rate (p.a.) 7.29% to 18.47%	Application Fee $499	Monthly Fee $0	Monthly Repayment $629.11	Go to siteMore info Compare product selection Compare	loading
Finder Score 8.1 Great loans.com.au - Variable Rate Used Car < 5 years Variable3 - 7 Years $5,000 - $150,000	Finder Score 8.1 Great	Interest Rate (p.a.) 5.99% to 15.89%	Comp. Rate (p.a.) 7.12% to 17.01%	Application Fee $400	Monthly Fee $8	Monthly Repayment $628.52	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.3 Excellent OurMoneyMarket Used Car Loan ($5,000-$100,000) Fixed1 - 7 Years $5,000 - $100,000	Finder Score 9.3 Excellent	Interest Rate (p.a.) 5.95% to 18.99%	Comp. Rate (p.a.) 5.95% to 21.78%	Application Fee $0 min.	Monthly Fee $0	Monthly Repayment $607.99	No monthly or early exit fees. Loan amounts range from $5,000 to $100,000. No vehicle age limit. Eligibility: Applicants with an Equifax credit score of 500 or above and an annual income of more than $25k are eligible.	Go to siteMore info Compare product selection Compare	loading
Finder Score 8.9 Great Stratton Finance Used Car Loan Fixed1 - 7 Years $10,000 - $300,000	Finder Score 8.9 Great	Interest Rate (p.a.) 6.59% to 18%	Comp. Rate (p.a.) 7.91% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $625.92	Your own personal car loan broker can help you borrow up to $300,000 for your new car by choosing from a range of finance options.	Go to siteMore info Compare product selection Compare	loading
Finder Score 8.2 Great RACV Used Car Loans Fixed1 - 7 Years $5,000 - $100,000	Finder Score 8.2 Great	Interest Rate (p.a.) 7.89% to 17.69%	Comp. Rate (p.a.) 8.6% to 18.47%	Application Fee $499	Monthly Fee $0	Monthly Repayment $641.32	Benefit from no ongoing fees, 5-hour approval and a 21-day satisfaction guarantee. Interest rate discounts for members.	Go to siteMore info Compare product selection Compare	loading
Finder Score 8 Great loans.com.au - Variable Rate Used Car < 3 years Variable3 - 7 Years $5,000 - $150,000	Finder Score 8 Great	Interest Rate (p.a.) 5.99% to 15.89%	Comp. Rate (p.a.) 7.12% to 17.01%	Application Fee $400	Monthly Fee $8	Monthly Repayment $628.52	Go to siteMore info Compare product selection Compare	loading
Finder Score 7.8 Great loans.com.au - Fixed Rate Used Car < 3 years Fixed3 - 7 Years $5,000 - $150,000	Finder Score 7.8 Great	Interest Rate (p.a.) 6.54% to 15.24%	Comp. Rate (p.a.) 7.67% to 16.36%	Application Fee $400	Monthly Fee $8	Monthly Repayment $633.61	Go to siteMore info Compare product selection Compare	loading
Finder Score 7.8 Great loans.com.au - Fixed Rate Used Car < 5 years Fixed3 - 7 Years $5,000 - $150,000	Finder Score 7.8 Great	Interest Rate (p.a.) 6.54% to 15.24%	Comp. Rate (p.a.) 7.67% to 16.36%	Application Fee $400	Monthly Fee $8	Monthly Repayment $633.61	Go to siteMore info Compare product selection Compare	loading
Finder Score 7.8 Great loans.com.au - Fixed Rate Used Car Loan (6 to 7 years) Fixed3 - 7 Years $5,000 - $150,000	Finder Score 7.8 Great	Interest Rate (p.a.) 6.54% to 15.24%	Comp. Rate (p.a.) 7.67% to 16.36%	Application Fee $400	Monthly Fee $8	Monthly Repayment $633.61	Go to siteMore info Compare product selection Compare	loading
Finder Score 7.8 Great loans.com.au - Fixed Rate Used Car Loan (8+ years) Fixed3 - 7 Years $5,000 - $150,000	Finder Score 7.8 Great	Interest Rate (p.a.) 6.54% to 15.24%	Comp. Rate (p.a.) 7.67% to 16.36%	Application Fee $400	Monthly Fee $8	Monthly Repayment $633.61	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.1 Excellent SWS Bank Secured Personal Loan VariableUp to 15 Years $500 - $200,000	Finder Score 9.1 Excellent	Interest Rate (p.a.) 8.5%	Comp. Rate (p.a.) 8.5%	Application Fee $0	Monthly Fee $0	Monthly Repayment $631.35	More info Compare product selection Compare	loading
Finder Score 9.3 Excellent OurMoneyMarket Secured Personal Loan ($5,000-$100,000) Fixed1 - 7 Years $5,000 - $100,000	Finder Score 9.3 Excellent	Interest Rate (p.a.) 5.95% to 18.99%	Comp. Rate (p.a.) 5.95% to 21.78%	Application Fee $0 min.	Monthly Fee $0	Monthly Repayment $607.99	Go to siteMore info Compare product selection Compare	loading

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Finder Score for car loans

To make comparing car loans even easier we came up with the Finder Score. Interest rates, fees and features across 200+ car loan products and 100+ lenders are all weighted and scaled to produce a score out of 10. The higher the score, the more competitive the product.

Read the full methodology

Bmw loan options explained

BMW Finance (Guaranteed Future Value)

BMW Finance, sometimes known as a Guaranteed Future Value (GFV) loan, is a finance arrangement where you pay lower monthly repayments and have a guaranteed buyback amount at the end of the term. You can return the vehicle, refinance the final amount or buy it outright. This is popular with people who like to change cars regularly.

Secured car loan

Use your BMW as security to get a lower rate. You borrow the money for your purchase, repay it over a fixed term and the car is the collateral. While most banks are willing to work with you to find a solution should you run in to financial trouble during your loan, a secured car loan does mean that the vehicle can be repossessed by the bank.

Chattel mortgage

Popular with business buyers, this gives you immediate ownership while the lender takes a mortgage over the vehicle. With a chattel mortgage you can structure repayments with a balloon payment to help manage cash flow.

Novated lease

A novated lease is an agreement between you, your employer and a finance company, where your employer makes the lease payments from your pre-tax salary. This can reduce your taxable income and bundle costs like fuel, insurance and servicing into one package. At the end of the lease, you can pay out the residual to keep the car, trade it in for another or hand it back. Be sure to check how fringe benefits tax applies and what happens if you change jobs.

Dealer finance

BMW dealers may offer their own finance plans, sometimes with bonuses or discounted servicing. Always compare these to independent car loans, as dealer rates can include large balloon payments.

BMW electric vehicle (EV) finance options

BMW's i-range is growing quickly. Whether you choose an iX1, i4 or i7, you can finance an EV with the same loan products as petrol BMWs. Many lenders will offer discounts for low-emission vehicles, so check for green car loan rates.

Current BMW models and pricing in Australia (2025)

• BMW 1 Series: From $63,774 driveaway
• BMW 3 Series: From $110,5060 driveaway
• BMW 5 Series: From $145,444 driveaway
• BMW X1: From $75,803 driveaway
• BMW X3: From $94,880 driveaway
• BMW X5: From $154,835 driveaway
• BMW iX1 (EV): From $94,096 driveaway
• BMW iX2 (EV): From $94,936 driveaway
• BMW i4 (EV): From $95,146 driveaway
• BMW i7 (EV luxury): From $327,592 driveaway

Costs to consider beyond the loan

• Stamp duty
• Dealer delivery fees
• Registration and insurance
• Optional extras (paint, wheels, upgrades)
• Interest charges over the loan

Features to compare in a BMW loan

• Interest rate and comparison rate
• Fees and charges
• Repayment schedule and any balloon payment
• Flexibility for extra repayments
• Loan term and minimum/maximum amounts

Tips for getting the best BMW finance deal

• Get pre-approval from a lender before visiting a BMW dealership
• Check if your employer offers novated lease benefits
• Compare BMW Select to traditional secured loans
• Ask the dealer about all fees, including final balloon amounts

What you need to apply for a BMW loan

• Be 18+ with Australian residency
• Good credit history
• Minimum income thresholds (lender dependent)
• Photo ID (driver's licence or passport)
• Proof of income (payslips or tax returns)
• Details of the BMW model you want to buy

BMW loan FAQs

• Can I finance a BMW electric car?

  Yes, you can finance a BMW EV with the same loan options as petrol models. Look for green car loans.

• What is BMW Select?

  BMW Finance is a finance product with a guaranteed buyback amount at the end of the term, keeping monthly payments lower.

• Can I get a novated lease on a BMW?

  Yes, BMWs are popular on novated lease plans. Speak to your employer or a novated lease provider to confirm eligibility.

Written by

Tim Falk

Writer

Tim Falk is a writer for Finder, writing across a diverse range of topics. Over the course of his 15-year writing career, Tim has reported on everything from travel and personal finance to pets and TV soap operas. When he’s not staring at his computer, you can usually find him exploring the great outdoors. See full bio