BMW Select (PCP)

BMW Divide.

Significant deposit + small monthly payments + optional final payment. Attractive 0% APR Representative.†

Offering you the opportunity to pay a significant deposit with low monthly payments and the choice of three options at the end of your agreement, with Representative 0% APR.† 

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BMW Divide.Significant deposit + small monthly payments + optional final payment. Attractive 0% APR Representative.†


If you have a significant deposit, wanting to pay monthly payments from £1 for 23 months, with the option to part-exchange, keep or hand back your car at the end of your agreement.
BMW Divide is available for selected 7 Series, 8 Series and BMW M models. New cars only. Ask your BMW Retailer for qualifying models.

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BMW Divide


  • The agreement is for 24 months.
  • First, you pay a significant deposit of between 40% and 60% of the vehicle’s cash price. The deposit will be the vehicle’s cash price minus the monthly payments and minus BMW’s Guaranteed Future Value.
  • The Guaranteed Future Value is what we estimate your BMW will be worth when your finance agreements ends. This will also be your optional final payment.
  • After your deposit is paid you’ll pay from £1 for 23 consecutive months at 0% APR.
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At the end of your agreement, you will be asked to choose between three options:

1. Pay the optional final payment and keep your BMW.**

2. Part-exchange your BMW for a new one

3. Return your BMW and, as long as you have not exceeded the mileage allowance and it has been well looked after, there will be nothing more to pay.***

In both the first two options, 1 and 2, if the value of your car is more than what we estimated for you in the Guaranteed Future Value (GFV), you will benefit. If the market value is lower than our GFV estimate, you can choose to return the car to us with nothing further to pay, other than any excess mileage or damage charges.***

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Deposit + monthly payments + optional final payment.
BMW Hire Purchase


Deposit + monthly payments.
BMW Personal Contract Hire


Initial rental + monthly rentals.
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Contact us with any questions regarding your BMW Finance Agreement.


BMW FS Product Comparison table

* If you wish to discuss different arrangements, your BMW Retailer will be able to advise you of your options.    

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Contact your local BMW Centre to find out more about BMW Divide.

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BMW (UK) Ltd is a credit broker not a lender.

  • †Deposit of between 40% and 60% of the cash price is required depending on the vehicle financed. 0% APR available on a 24 month BMW Divide agreement for BMW M, 7 Series and 8 models ordered between 1 October and 31 December 2020 registered by 31 March 2021 (subject to availability). Please note for vehicles delivered after 31 December 2020, these prices are subject to increase in the event of additional customs duties becoming applicable. Retail customers only. ^Optional final payment not payable if you opt to return the vehicle at the end of the agreement (vehicle condition, excess mileage and other charges may be payable). **We remain the owner of the vehicle during the agreement and we may become entitled to recover the vehicle if you do not keep up your repayments. ***If your agreement is regulated by the Consumer Credit Act, this contractual option will be in addition to your statutory right to end the agreement early. Finance available subject to credit acceptance to UK residents aged 18 or over. Guarantees and indemnities may be required. Not available with any other offer. ‘BMW Divide' is a form of hire-purchase agreement provided by BMW Financial Services, Summit ONE, Summit Avenue, Farnborough, Hampshire GU14 0FB. If your agreement is regulated by the Consumer Credit Act 1974, you will have a 14 day right to withdraw from the agreement. BMW UK introduces customers to BMW Financial Services only. BMW UK does not receive commission or other payment for the introduction.