This is the most popular method of financing the purchase of a BMW, and defers a portion of the value until the end of the agreement. The remaining amount is paid in monthly installments over 24, 36 or 48 months. At the end of that term you can hand the car back, or part exchange the car for a newer model and begin the process again.
The cost of the final lump sum - which will vary depending on the mileage you've done and the condition of the car - can itself be spread over several payments. When the lump sum is fully paid off, the car is yours.
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