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  • BMW Full Circle(1) provides you with the certainty of knowing, upfront, how much we will value your vehicle at when it comes to the end of your agreement term. We call this BMW Guaranteed Future Value (GFV). It takes the guesswork out of your future planning.

    You’ll also experience the freedom of choice and flexibility at the end of your agreement. With options such as returning or upgrading your BMW or keeping it by paying out the GFV, the choice will be yours.

    BMW Full Circle can be applied to the entire range of BMW lease and loan products.

BMW FULL CIRCLE.


BMW Full Circle[1] puts you in the driver’s seat with flexible finance options for both new and used vehicles+:

  • Peace of Mind with Guaranteed Future Value. Enjoy the option to return your vehicle to us at the end of your loan, knowing how much we’ll value it for upfront.
  • Flexibility to tailor your loan to suit your needs. Choose your loan length, annual kilometre allowance, and your loan repayment frequency+.
  • Options at the end of your loan. Keep your vehicle by paying or refinancing* your Guaranteed Future Value, return your vehicle, or trade in your vehicle for your next Ultimate Driving Machine.
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KEY FEATURES

New & Demonstrator BMW

Pre-owned

Vehicles eligible
All new or demonstrator BMW models
All pre-owned BMW Premium Certified BMW models
Balloon/Final lump sum payment
Equivalent to Guaranteed Future Value amount
Equivalent to Guaranteed Future Value amount
Options at the end of the loan term
Trade in your vehicle
Keep your vehicle by paying out or refinancing* the GFV amount Return your vehicle
Trade in your vehicle
Keep your vehicle by paying out or refinancing* the GFV amount Return your vehicle
Terms

24 to 60 months

24 to 60 months
Interest Rate
Fixed
Fixed
Customer Type
Consumer and Business
Consumer and Business
Payment Frequency
Monthly
Monthly
Payment method
Direct debit/BPAY®
Direct debit/BPAY®
24/7 online access
BMW One app
BMW One app

KEY FEATURES


New & Demonstrator BMW
Vehicles eligible
All new or demonstrator BMW models
Balloon/Final lump sum payment
Equivalent to Guaranteed Future Value amount
Options at the end of the loan term
Trade in your vehicle
Keep your vehicle by paying out or refinancing* the GFV amount
Return your vehicle
Terms
12 to 60 months
Interest Rate
Fixed
Customer Type
Consumer and Business
Payment Frequency
Monthly
Payment method
Direct debit/BPAY®
24/7 online access
BMW One app


Pre-owned
Vehicles eligible
All pre-owned BMW Premium Certified BMW models
Balloon/Final lump sum payment
Equivalent to Guaranteed Future Value amount
Options at the end of the loan term
Trade in your vehicle
Keep your vehicle by paying out or refinancing* the GFV amount
Return your vehicle
Terms
24 to 60 months
Interest Rate
Fixed
Customer Type
Consumer and Business
Payment Frequency
Monthly
Payment method
Direct debit/BPAY®
24/7 online access
BMW One app
BMW Full Circle

HOW IT WORKS.

START YOUR LOAN ON YOUR TERMS

Step 1: Select the length of your loan term, from 24 to 60 months^.

Step 2: Select your kilometre allowance. This is the amount of kilometres you think you will travel in your vehicle each year. Keep in mind that the conditions of your pre-owned BMW may impact the term and kilometre allowance options available to you.

Step 3: Choose whether you would like to pay a deposit at the start of your loan, and what the amount will be.

Step 4: Trade in your previous BMW, if you have one, to reduce the amount of your loan.
 

FINISH YOUR LOAN ON YOUR TERMS

At the end of your loan, you have the freedom to choose the next part of the journey.
 

  • Trade in your BMW for a new one. If the trade-in value of your vehicle is higher than your Guaranteed Future Value, you can keep the additional balance for yourself, or use it as equity towards a new BMW.
  • Keep your BMW. If you’re not ready to say goodbye to your BMW, you can choose to keep it by paying out or refinancing* your Guaranteed Future Value.
  • Return your BMW. Simply hand back the keys to your BMW Dealer, and provided your vehicle is undamaged (except for fair wear and tear) and the kilometre allowance has been met, your BMW Full Circle experience will be complete.
     

Contact your preferred BMW Dealer to discuss your options.

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THE BENEFITS OF BMW FULL CIRCLE.


PEACE OF MIND.
The assurance that you can return your vehicle to BMW at the end of your agreement.

OPTIONS.
Tailor your agreement options to suit your needs by choosing your agreement term, kilometre allowance and repayment frequency.

FLEXIBILITY.
At the end of your agreement, decide if you’d like to trade-in, keep, refinance or return your BMW.

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NEARING THE END OF YOUR FULL CIRCLE AGREEMENT?

You’ve experienced the joy of driving your BMW, now it’s time to explore your Full Circle options and choose what’s best for you.

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OPTION 1
OPTION 2
OPTION 3
Return your BMW.

Trade-in your BMW.

Return your vehicle to your BMW Dealer and if the trade-in valuation is higher than the Guaranteed Future Value(1), the balance is yours to keep or use as equity towards your new BMW.

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Keep your BMW.

Keep your BMW.

If you’re not ready to say goodbye to your BMW, you can choose to pay out the Guaranteed Future Value or refinance for another agreement term and enjoy your vehicle for longer.(1)

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Return your BMW

Return your BMW.

To complete your Full Circle experience, you can return your vehicle to your BMW Dealer and simply hand back the keys. Provided the vehicle is undamaged except for fair wear and tear and the kilometre allowance has been met, you have no further liability.

Contact your preferred BMW Dealer to discuss your options.

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Disclaimer:

  • [1]BMW Full Circle provided by BMW Australia Finance Limited (ABN 78 007 101 715, Australian Credit Licence 392387) consists of:

    a) in the case of a loan, an option to deliver the vehicle to us instead of paying the Guaranteed Future Value final balloon lump-sum repayment amount (GFV) at the end of the contract term; or

    b) in the case of a lease, an option to return the vehicle to us and not pay the GFV amount at the end of the lease term,

    provided the vehicle is undamaged except for fair wear and tear as determined by our approved dealer and provided that the contracted kilometre allowance has not been exceeded. The GFV is not a representation of the anticipated market value of the vehicle at the end of the contract term. Lending criteria, fees, charges and conditions apply.

    Full Circle option eligibility criteria include:

    1. Vehicle age limits:

    • Vehicle must be less than 8 years old at the end of the loan term;
    • To qualify as a New or Demonstrator vehicle, vehicle must be built within 18 months of loan settlement.

    2. Kilometre criteria:

    • Odometer cannot exceed 140,000kms at end of loan contract
    • For New and Demonstrator vehicles: Odometer cannot exceed 10,000km at contract commencement. Kilometres already travelled prior to the vehicle being financed are included in the contractual kilometre allowance (e.g. If the kilometres travelled prior to the vehicle being financed are 10,000km, and the total contract kilometre allowance is 40,000km, then the vehicle odometer must not exceed 40,000km at hand back).
    • For pre-owned BMW Premium Certified vehicles: Kilometres already travelled prior to the vehicle being financed are excluded from the contractual kilometre allowance (e.g. If the kilometres travelled prior to the vehicle being financed are 28,000km, and the total contract kilometre allowance is 40,000km, then the vehicle odometer must not exceed 68,000km at hand back).

    *Refinancing subject to approval and eligibility criteria, fees, charges and conditions apply.

    +Only select BMW Premium Certified pre-owned vehicles are eligible for BMW Full Circle.

    ^The minimum term available for BMW Premium Certified vehicles is 24 months. Finance contract based on monthly payments, but more frequent payments can be accommodated.