BMW Financial Services is now offering a low 3.9% APR on selected models if you already have a BMW or MINI model in your household. Applies to the following new BMWs when ordered before 5 January 2026*.
| Model | Loyalty APR |
| BMW 1 Series | 3.9% |
| BMW 2 Series | 3.9% |
| BMW X1 | 3.9% |
| BMW X2 | 3.9% |
| BMW iX1 | 2.9% |
| BMW iX2 | 2.9% |
| BMW X3 | 4.9% |
| BMW X5 | 4.9% |
| BMW X7 | 4.9% |
| BMW M5 Saloon & M5 Touring | 4.9% |
| BMW 7 Series & i7 | 3.9% |
| BMW i4 | 1.9% |
| BMW i5 Saloon & i5 Touring | 3.9% |
Request for offer
Representative example – BMW Select (PCP)**
BMW 120 M Sport
| 47 monthly payments of | £359.00 |
| Term of agreement | 48 months |
| Optional final payment | £15,960.00 |
| On the road price | £34,940.00 |
| Your deposit | £5,599.83 |
| Total deposit | £5,599.83 |
| Total amount of credit | £29,340.17 |
| Total amount payable | £38,432.83 |
| Fixed rate of interest | 3.9% fixed |
| Representative APR | 3.9% |
Terms & Conditions
Group 1 Retail Limited is a credit broker not a lender.
*Offer available to existing BMW customers only, who can prove there is a BMW or MINI in their household. Offer available on BMW Select and Hire Purchase agreements. Applies to models ordered between 01/10/25 and 05/01/26 and registered by 30/06/26.
1.9% APR available on new BMW i4 models.
2.9% APR available on iX1 & iX2 models.
3.9% APR available on new BMW 1 Series, 2 Series, X1, X2, i5 Saloon and i5 Touring and 7 Series and i7 models.
4.9% APR available on new BMW X3, X5, X7 and M5 Saloon & M5 Touring models.
**Representative example is for a BMW Select agreement for a new BMW 120 M Sport shown with a contract mileage of 40,000 miles.
Participating Retailers only. Subject to availability. Retail customers only. Finance available subject to credit acceptance to UK residents aged 18 or over. Guarantees and indemnities may be required. Terms and conditions apply. Optional final payment and option to purchase fee 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). ‘BMW Select’ is a form of hire-purchase agreement provided by BMW Financial Services (GB) Ltd, Summit ONE, Summit Avenue, Farnborough, Hampshire GU14 0FB. You will have a 14 day statutory right to withdraw from the agreement.
Group 1 Retail Limited trading as Group 1 Reading introduces customers to a selected panel of lenders, which includes BMW Financial Services. We will receive a fixed commission for introducing you to BMW Financial Services, calculated by reference to the vehicle or as a percentage of the amount you borrow. We do not have any discretion to vary the interest rate or APR you pay under your finance agreement. An introduction from us does not amount to independent financial advice.