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.*




Simply choose a BMW you like and we’ll arrange a finance plan that suits you, taking into consideration the contract length (typically between 24 and 60 months), an estimation of your annual kilometres and your deposit (optional) contribution. Whether you have a monthly payment or particular deposit in mind, we can tailor a repayment plan to suit your budget and lifestyle.

The importance of the GFV is that it lets you keep your options open at the end of your agreement.
Your decision will be based on the future value of the car. Depending on what the actual market value is when you come to change your car next time, you have the flexibility to select from one of the following options:

  • Pay out the Guaranteed Future Value (final payment) and own your BMW*
  • Refinance the Guaranteed Future Value (final payment)*
  • Trade in and upgrade to a new BMW *
  • Hand the car back and walk away*


Terms and Conditions

*With Guaranteed Future Value you’ll know where you stand in advance. At the end of your contract, you can trade-in your vehicle; or exercise your Guaranteed Future Value (GFV) rights by paying out or refinancing the GFV or returning your vehicle to BMW Financial Services, provided that your vehicle has not exceeded the contracted kilometre allowance and meets fair wear and tear conditions. BMW Full Circle from BMW Financial Services (a division of BMW Australia Finance Ltd, Australian credit license 392387) available at an authorized BMW Dealership. Fees, charges, terms, conditions and approval criteria applies.

Enjoy the moment. The future is guaranteed.

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