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BMW Finance

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BMW G80 M3 front

The BMW is now a benchmark for luxury cars. From humble beginnings in Bavaria, where the Bayerische Motoren Werke GmbH first started making engines for various applications to developing some of the latest offerings on the collector’s market, BMW has become a renowned name.

Fast forward over a century, and the BMW Group is now producing some of the most popular models on British roads. With an ever-increasing range of prestige cars, electric vehicles, and supercars, they continue to wow passionate petrol heads the world over.

At Magnitude Finance, we understand that thrill. 

As an independent credit broker, we can offer you a range of truly affordable finance packages at unbeatable prices – thanks to exclusive deals with finance providers that can’t be found anywhere else. 

To find out how our stress-free concierge service can help you source your prestige vehicle, get in touch today

For the latest news and opinions from the luxury car finance sector and the supercar world at large, check out our buyer’s guides, reviews, and customer driving insights here

Get the keys to your dream BMW model with Magnitude

When it comes to blending high-tech features with a sporty, sleek, and sophisticated design, the BMW is a true marvel of German engineering. 

Looking to pay off your flexible finance plan and keep the keys to your paid-off car? Or perhaps, after exploring BMW’s fantastic range of engines, you plan to trade in your model for an upgrade? No matter your call, Magnitude Finance is on hand to help. Whether you are looking for a best-in-class M model, a vintage release, or one of their supercar offerings, we can help you create a manageable finance arrangement. 

If you’ve already got your eye on your ideal prestige BMW vehicle, you can use our industry-leading finance calculators to give you a reliable estimate. 

If you’re looking to crunch numbers for a Hire Purchase, PCP, or Balanced Payment agreement – or are wondering what the settlement figure looks like for an existing deal – we have the tools to help. 

All you have to do is enter your car details or registration number for figures in less than a minute. Try our Car Finance Calculator today.

Harry Metcalfe
BMW iX M60

Which products can Magnitude use to secure a BMW finance agreement?

There is a perfect model out there for everyone. 

So, when it comes to the entire spectrum of prestige BMW vehicles available on the luxury market, Magnitude Finance can create a bespoke plan to help get you in the driving seat. 

In addition to an unmatched level of customer service, thanks to our comprehensive concierge approach, we offer you luxury deals that are only available to Magnitude clients. 

Using a winning combination of expert knowledge and a real passion for prestige cars, we have access to an exclusive panel of over 20 lenders.

When it comes to automotive finance, we are able to offer you tailored solutions that suit your needs exactly. These are some of the most competitive rates available on the market – even beating specialist BMW Group financial services.

At Magnitude Finance, we know that buying a luxury car is one of the most exciting moments for a true enthusiast. 

That’s why we take multiple factors into account to ensure that your buying journey is as smooth and seamless as possible, with your dedicated finance specialist handling as much – or as little – as you’d like while we source the perfect lender for you. 

Here are just some of the Flexible Finance Solutions we offer: 


Hire Purchase Finance 

Hire Purchase is one of the most straightforward finance choices when it comes to buying your dream BMW.

This gives you the ability to keep the keys to your car at the end of a pre-agreed fixed period, without the need for a personal loan. With flexible deposit options, a Hire Purchase (also known as a Lease Purchase) deal allows you to ‘hire’ the car from a BMW retailer, with it finally becoming yours once the last payment is made. 

At Magnitude Finance, we go above and beyond to create plans that make life easier for our clients. With this type of finance, we can tailor your agreement length according to your individual circumstances so you know exactly what to expect. 

Read more about our Hire Purchase agreements here.


the all new bmw m240
BMW Finance

Hire Purchase + Balloon 

We also offer an unparalleled Hire Purchase with a Balloon agreement – for those looking to invest in classic BMW models or luxury collectibles with a notably high residual value, such as the BMW 330s series or M5. 

Blending benefits from a traditional HP finance deal with a PCP agreement, this clever hybrid option lets you make smaller monthly payments thanks to deferred ‘balloon’ payments and enjoy no age limit on your prestige BMW.

If you’re planning on driving away with your exciting new purchase, all you have to do is finalise the transaction by paying off this value – or simply part exchange or refinance if you would prefer. 

You can find out more about getting a Hire Purchase + Balloon plan with us here.


PCP Finance 

From iconic premium models to rare finds, if you are planning on experiencing life behind the wheel of multiple BMW cars – a PCP deal might be the best fit for you. 

Built on the Hire Purchase agreement, this dynamic finance solution offers a lower fixed monthly rate that makes it easy to budget throughout your contract. 

The most important difference is that the car’s value is determined at the start of the deal and deferred until the end – something known as the Guaranteed Minimum Future Value (GMFV).

The GMFV depends on a number of influences, such as the BMW’s preliminary mileage, the age of the car, and your estimated annual mileage. 

PCPs are a fantastic option for drivers who want to switch between models on a regular basis while getting the most out of lower monthly payments, in comparison to a Hire Purchase solution. 

To see how we can create a bespoke PCP deal for you, click here.


bmw ix xdrive 50 2021 first drive review
bmw 4 series coupe m automobiles sp

Balanced Payments

For the experienced collector and investor, choosing the Balanced Payment option with Magnitude Finance gives you access to incredibly competitive rates in the supercar sector and ultra-collectible model sectors.

For BMW fans, a Balanced Payment plan can help secure high-value models, such as the i4 Edrive on the electric vehicle market or collectible picks. 

All repayments are fixed and paid on a monthly basis, similar to its Hire Purchase counterpart – but this plan’s low deposit, flexibility, and potential tax benefits make it an incredibly popular choice for those investing in BMW. 

To discover how we can use Balanced Payments to help you maintain your cash reserves, explore our in-depth guide here.

Hire Purchase

Under a Hire Purchase agreement, you usually pay a deposit at the start of the agreement. You then pay the rest of the value of the car in instalments, over a period of between 3 and 5 years.

Personal Contract Purchase

PCP is a popular way of financing a vehicle and is usually based upon a Hire Purchase agreement. The main difference is that the vehicle’s value at the end of the agreement is calculated at the start.

Balanced Payment Plan

A Balanced Payment Plan offers the benefits of a fixed monthly payment, however, tracks the changes in the finance house base rate, LIBOR or bank base, depending on the agreement.

Specialist Facilities

We have access to a number of specialist lenders that will look at high value vehicles over £1 million, classic and exotic cars, refinancing existing deals, equity release or even assets other than vehicles.

BMW G80 M3 front

Representative example - BMW X3


Deposit £8,000
Amount of credit £32,000
Total amount payable £49,246.85
Final instalment £15,935
Interest Charges £9,236.85
Regular monthly instalment £538.55
Duration of agreement 48 months
Representative APR 9.9%
Type of interest Fixed

*This BMW PCP finance example is for illustration purposes only. Please contact our finance team for a tailored quotation.

What are some of the models we offer finance for?

When it comes to prestige vehicles, BMW is one of the most popular names among our clients.

With a rich back catalogue – now sprawling into supercar territory and beyond – Magnitude Finance offers you flexible, competitive solutions that get you behind the wheel of some of the best-performing automobiles on the market. 

BMW is one of the most technologically innovative names within the industry. 

Forged from beginnings as aircraft engineers, they have gone on to design and innovate a wide range of motorcycles, prestige cars, and other vehicles. 

We offer finance solutions on a huge array of luxury cars. 

So, whether you have your eye on one of BMW’s most popular models or are keener on collecting a classic, we can create a tailored plan to suit both old and new. 

All of our affordable finance packages are crafted with you in mind. 

Our dynamic team has over three decades’ worth of collective experience that we use to source the best deals – alongside our own passion for cars and the world of BMW.

We are able to build financial solutions for a number of makes and models. 

To ensure that all of our client’s individual needs are met, Magnitude creates bespoke arrangements that match your goals, circumstances, and, most importantly, your dream car.

So if you’ve got a particular model in mind, or simply want to explore our exhaustive range of BMW finance products, get in touch with our team today by filling in our handy contact form.

Or alternatively, why not give us a call on 01943 666 626 for a friendly, no-obligation chat. 

Why choose Magnitude?

At Magnitude, we stand out from the crowd by offering our clients outstanding customer service along with unbeatable funding solutions.

We work hard to make sure you get special access to incredible rates that can’t be found elsewhere on the market, so you can get the keys to your dream BMW in one smooth process.

Our attentive team has a proven track record in securing deals for some of the biggest names in business, media, culture and more – thanks to our knowledge, insight, and genuine passion for prestige BMWs.

As a group of self-confessed petrol heads, we want everyone to get as much joy out of their luxury car as possible. 

We do this by implementing proven borrowing strategies, offering expert advice and securing exclusive deals to help make our client’s dreams come true. 

Whether you are looking to start your finance journey or explore other options at the end of an existing agreement, we offer key insights so you can make the best choice.

Our advisors can help clients get the most out of their classic BMWs through equity releases, early settlements or facilitate refinancing deals. 

At Magnitude Finance, we can handle as much or as little of the journey as you’d like, so you can spend time focusing on the things that matter most to you. 

When it comes to the rush of driving a supercar, classic or prestige model, there really is nothing quite like it. 

To see our concierge team in action and get the latest news and industry insights from the world of prestige motoring, follow us on our social media channels.

How does Magnitude create competitive finance packages?

At Magnitude Finance, we offer lending packages and bespoke financing solutions across a wide range of BMW prestige vehicles – covering supercar, classic, and luxury models. 

We do this by brokering exclusive funding options from a select group of lenders, who are able to source ultra-competitive deals for our clients. After cultivating long-last relationships for over 20 years with the majority of them, we use this to form the foundations of our unparalleled finance packages. 

Our independent concierge team has plenty of experience when it comes to finding solutions for BMW models worth over £25,000 – often working to meet the requirements of business-minded entrepreneurs or esteemed clients. 

But if you have your eye on a BMW costing less, don’t worry. We can still potentially help.

Our experts are on hand to offer financial advice and quality recommendations to smaller lenders who can secure this amount at reliable rates.

The best BMW finance rates sourced just for you

At Magnitude, we will always give you a finance quote that works entirely in your best interests and aligns with what you plan to do with your dream BMW. If we believe an option might not work for you – or if you come to us unsure after a quote from another brokerage service – we only give our clients simple, honest, and straightforward advice.

We’re tried, tested, and trusted for a reason. But just don’t take it from us – have a look at our reviews. 

Whether you’ve already come to us with a solution in mind, want to find out more about our unbeatable range of financial products, or have agreed on a great quote with a member of our team, we can quickly get things moving. 

Your dedicated financial expert will work on sourcing the best rates for you, creating a bespoke car finance package to secure your BMW and meet your individual requirements. 

If anything needs altering or changing – such as flexible deposits or period lengths to suit your financial situation – we’ll be able to help.

Whether you’ve already started your financial journey with us or if you’d like to explore your options, get in touch with our concierge team today.